It was 26F this morning and not much warmer for the return ride.
So on the way home, really thin guy on a Schwin is ahead of me. We reach the bottom of a 1.5mi descent where the avg speed along there is 25-32mph.
Suddenly I see this guy...no gloves, no cap, no helmet.

Just jeans and a dress button down shirt with his hands jammed in his pockets! Hunker'n down trying to keep warm. Gads I felt so sorry for that guy. BRRRRRR