[QUOTE="Lozzo"] It seems that Jo Public needs cash in the bank at the moment, and doesn't want to splash out on new bikes or kit.[/QUOTE] This is pretty much me - when it boils down to it the bike _is_ a toy - and the cash could be better used elsewhere. However I don't desperately need it , so currently the bike is still in the garage :-) Interest rates are up - no matter what the Daily Mail may say, I know it's hit my available cash. It really wouldn't surprise me to see the amount of credit card debt continuing to rise as people just stick their bills on that - delaying the inevitable really.