Thanks guys, it's a ten year old beach cruiser I got for exercise when I retired. 7-spds, balloon tires, the look I wanted so's not to embarrass myself down on the bike path at the beach. It has served me well. Since my heart surgery I really don't need more speeds, even though it'd be cool to have more options. As for disc brakes, yeah, they'd be cool too. I looked at a replacement bike while at the shop. It'd cost @$700 to replicate what I have with the adjustable stem and sprung seat post, but, I would get hydraulic disc brakes in the deal.

But, I'd also loose the balloon tire look too.