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The 3% cancellation fee covers the credit card fees incurred by the merchant. Some merchants will waive that fee if you offer to mail them a check for payment, or pay in cash if you live near them.

I bought the Walmart step-through model last month. It works fine. Top speed is around 17 MPH. You can get it up to 20 MPH if you pedal really fast because of the way it's geared.

Will Rogers once said: "I don't know if dogs go to heaven, but I want to go where they go."

Here's looking at you.