Well, after a 3 month layaway I went to my LBS this morning and brought home my "fully paid for" Serotta Fierta Steel!!!! (It's identical to the picture on the Serotta website.) I took it out this afternoon for it's maiden voyage. Smooth as silk with the carbon forks and that stiff steel frame really makes it responsive! I've got it in my living room tonight so I can sit in my recliner and look at it. What a beaut!!! Even my 18 year old daughter said "cool bike Dad" Life is good...Merry Christmas Frankp