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Could the pads have closed together and the disc slid between the back of a pad and calliper. Steve.
You, sir, are either a genius or very experienced (both, I suspect). That is exactly the problem. Many thanks. Now, I hope to be able to rectify the problem without having to remove the wheel. I hope that I can unfasten the caliper from the holder, pry the pads apart, and, this time, make sure the disk goes between them. You have my sincere appreciation. Sam
I'm amazed that the bike still stopped good. Easy fix!