KP> He had me about 10 beats per minute above the formula's "Max
KP> Heart Rate" and I still hadn't started to go anaerobic.  And
KP> actually, I was a bit out of shape and overweight. 
For someone that rides as much as you do Ken, out of shape and overweight is 
a relative term.  :-)  I'm sure I'd be much closer to what the tables say. 
Now I understand what you mean though.  A person should monitor their own 
physiology and determine what their own max is.  Forget the tables.
                                  Dewey

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