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@dt
I don't understand CycleScheme. Seems to me that you give up some of your income over a perioud of time (the price of the bike) to effectively 'hire' it from your employer. Then at the end of the loan period, when you have paid off your bike, if you want to keep it you have to pay your employer the 'fair market value' of the bike - seems like you're paying for the bike twice???