Okay. So even though this is probably the sexiest track bike I'll ever see, I think it would behoove me to let this one pass and think of all the apartments I wouldn't be able to get because of my sh*t-credit report because I had to have the sexiest track bike ever and f*ck up my credit. Thanks for sagely advise bike forums. And chimblysweep, lay off the hater-ade.