If you have an old load from the 90s it is -0.4%, the newer ones don't go negative, so the current rate is 0%
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Yeah "pannier" = fancy word for bag on the side of a bike
I cycle into central London. Cyclist friendly facilities are much more common in mainland Europe, but some this sensible stuff rubs off on the UK too.
There's room for all that stuff and a change of clothes in a pannier on the back of the bike. Also, there's a shower and a place to lock up bikes at the office where I work. A lot of offices have these types of facilities