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@.ptn.
The transfer of ownership thing seems to be a sticking point for the guy here. As it's pretty much assumed that the bike will be sold to the employee at the end, and it's very unrealistic to think otherwise, he sees the 'substance' of the process to be a hire purchase.
It's a bit annoying. I can give links to proof of the validity of this thing til I'm dead from trying, but there seems to be some unspoken desire against the thing that I suspect I won't get past.
It's fun looking into what counts as 'safety equipment' - I rang cyclescheme to check this the last time I did it and it basically amounted to anything that's useful to have on a bike, unless it's bike upgrades. I ended up with panniers, lights, shorts, socks, etc. My mate was gutted because he couldn't upgrade his bikes. Weird that bib shorts can be 'safety equipment', while brakes can't...