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Schwinn had lots of non hand made frames. You got yours about the time they went into decline. The late 90's they had some really high end stuff. They got bought up by Pacific and now it's pretty much low end department store stuff.
For $100 just ride it and enjoy it. Don't bother upgrading it, not worth it since a lot of the standards will have changed. Check the frame for cracks, they were pretty lightweight.
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