'cross frame for Florida with all the trimmings

 There's a lot of options on this frame. For one, there's the ability to use two different brake systems. Also, the bike will be happy geared or single speed. Racks and/or fenders can be mounted.

 The pearl white panels are another option. In sort, this is kind of a do-anything bike. The cantilever brake bosses can be removed when the bike is set up with disc brakes.