Originally Posted by
JosephLMonti
If you answer two questions I think we can be of better service to you:
1) What does your gf intend to use the bicycle for? (touring, racing, recreation)
2) What is her budget?
Keep in mind, that you've presented this question to a bunch of folder enthusiasts so more than likely, we will be pushing you in that direction

Sorry to all, for not mentioning that the preference is for a folding bike, without tiny wheels if possible.
Answers:
1. Definitely not racing. Mostly day to day home based use. Car free bike dependence is not recreation, but regular recreation rides are highly likely. Must be able to carry rear panniers - so rear rack is essential. Regular need to travel by bus (without the bike being obvious - for security and ability to board the bus reasons). Occasional train (rush hour) and plane travel is also likely (anything from a Cessna to an A380). Touring, with me carrying the majority of the kit, is likely. In short this will be her only bike and will need to do a lot of work filling a lot of roles.
2. Our budget is 700 to 900 USD.
Thanks for all the replies so far. Plenty of food for thought.