hello all, new to the site. just wondering if any one had experience with a cantilever schwinn? i ride a 1995-96 cruiser six anniversary issue schwinn. the rear brake yoke is in the way of mounting hole for the rear phantom rack. the adjustment of the yoke is`nt enough to get it up and out of the way. the cross cable will rub or grind away on the rack. because of the arch. should i check into disc brakes and what cheap disc brakes will work for my application? thanks for any help. wez.