I was in 7th or 8th grade in Philadelphia when the local bus company went on strike, SEPTA, I had given a phoney address to the school district so I could go to a better school. So Septa stike bikeing to school in the rain Schwinn Continental steel wheels ran right into a horse cart selling fruit. 1st time I noticed steel wheels dont stop good. Pull hard and and double the stoping distance, the brake pads will dry the wheel and you will stop.