Functional bikes. Not Porn not Anti

OK Hive mind of the functional.

I'm looking for a ladies town bike frameset.

I'm thinking hub gears, front rack, full guards, step through. I prefer 26" because she needs a small and 26" looks better in a small.

Any decent priced suggestions?

Doesn't tick all the boxes but I was really impressed when I built this up in work the other day - there's even a bell integrated into the LH brake lever. http://whyte.bike/2014/product.php?xProd=127&xSec=124