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Been working with Bella at Iplay, she is good.

Carbon_dude, that is my plan.  When i mentioned 550mm or less that was already factored in.

Her current bike is a 15+ year old 16" cannondale with a 510-520mm eff. TT(kind of hard to get this measurement exact).  And a 90mm stem.  So my thought was i could gain roughly 30mm going to a 60mm stem.

Yeti's new Carbon Arc comes in an xs size(14") with pretty good geom, but frame alone is $2000.

Kind of weird, but Trek's Cali is a 29" bike and they make it in a 14" size, reasonably short top tube.  Don't know how they make that happen with a 29" wheel.   

Maybe biased, but for a short person, the 27.5 seems like a good wheel size.

Just got the tt length on that 27.5 frame, size 15.5.   TT length is 570mm, way to long for my wife.

I'm not sure it is a matter of time.  I think the frames are getting to be a little larger on the small end and little smaller on the other end.  Probably to accomodate most, but not the real short or tall.

I have been working with bella at xmiplay.  They had a 27.5 IP-127 that came in a 15".  However it has been discontinued.   I sent her an email about the IP-196SL. 
They are very responsive in answering emails.

Looking for a 27.5 Carbon HT Frame for a bike for my wife.
She is sub 5' and needs a pretty short TT. 
Seems like all of the frames are getting bigger, longer top tubes.
Would prefer 15", 550mm or less top tube.
Any suggestions?
thanks