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Mrs SOG is thinking about getting a bike under the "Cycle to Work Scheme". Her employer (she works for a school) does offer the scheme. As I understand it, she would be hiring the bike to a year and *may* be offered the option of buying the bike for its fair market value at the end of the hire period, which is normally one year.
Has anyone used this scheme? What "fair market value" were you charged at the end?