I got the idea about Paydays from someone else here - I think it was emily_in_NC - thankyee kindly.
I really like bagels too - plain Lender's bagels, the kind you get in the supermarket (not to be confused with the REAL bagels one gets at Jewish delis & bakeries in the northeast - whole different thing alltogether) ... uh, where was I? Oh yeah, I like to carry a Lender's bagel in a ziplock in my handlebar bag, it's very easy to reach in and unzip the bag and tear off a bit of bagel to munch as I'm riding.