I'm a student and I used to carry my books in panniers that I had cable locked to the bike rack. I found a 1/8-1/4 in. cable approx. 2 feet long and worked the cable aroung the rack and panniers and locked it up with a padlock. It worked really well and I had no problems with anything being ripped off. Just had to make sure that the cable was clear of the back tire.
Clare



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