[ExI] Maximum heart rate

[Dave Sill]

The formulas are just for approximation. You should conduct a test like
Max's to determine your actual max. And recheck it periodically. The rate
is exercise-specific. Here are a couple for bikes:

http://www.cycling-inform.com/heart-rate-training/72-how-to-test-for-your-cycling-max-heart-rate

-Dave
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