two very valid points. maybe new yorkers should pay a bit more. i mean, don't get me wrong. i really am broke, but the added security of my bike being replaced well help me sleep at night. it sucks. how is kryp locks. does it cover new york state. i always seem to by on guard and never had the chance to look at the competator's warrenty. i'm going to google the web site now and find out the scoop.