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After I blogged about local designer Anastasia Chatzka a couple weeks ago, her marketing director suggested that her bloomers would make a good solution for lady cyclists who need a safety net under their skirts.
Or you could wear them on their own as long as you've got the legs to pull them off. They're $55.
Or: Target has these from the Tracy Feith collection for $20.98 online.
And then there are these basic numbers from American Apparel ($25). But I think they're disturbingly infantile, at least as outerwear.