Schwinn Roadster Owner's Manual page 7

Step 4.
Inspect all wheels to be sure that they turn freely. If any wheel
does not turn freely, check that fender is not rubbing on the
tire. If it is, flex fender to the opposite side that it is rubbing
on, until it is centered (see illustration). While holding front
wheel, check that handlebar cannot be turned independently
from wheel. Check that saddle carriage bolt and tightening
knob are holding saddle securely. If necessary, tighten saddle-
adjustment knob further.
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