Thought I'd post in here tonight about how commuting does nothing to improve speed. I felt like a slug all the way home tonight could barely pick the bike up to carry it down the stairs. When I hoisted it onto my shoulder the rear wheel stopped like I'd just slammed on the brakes. Sure enough the rear brakes were rubbing hard on the left side. Got the bike downstairs and fixed that then spun the wheel- it stops again! I look and the rear fender has come out of it's stay and it's rubbing on the tire. Hopefully, it will be a better ride tomorrow.