Yes you are both correct. Yesterday we took a trip to Newport Beach and rented 3 RAD's - City step-thru, Rover, and the folding model with the geared motor. The "City step-thru" does 90% of what the Magnum "cruiser" does and its $400 less expensive. We rode for two hours and received a $50 cash back on our $75 rental bill for 2 units). My friend got $50 cash back on his rental. My new favorite so far - RAD City Step-thru.