Thanks, Oakleaf. I know that the 220-minus your age is cr@p for someone like me. So, if your predicted MHR is 190 with your Garmin, then I am doing OK. I was not using my own monitor, just the thing on the treadmill where you hold your hands. I think my max is probably somewhere around 180 for running and 170 for cycling. Will try to experiment a little. There's nothing wrong with the Polar model I have, I just got too focused on it, instead of enjoying my ride.