Reformed individual to move into a lower gear (6,4)

I believe the answer is:

change down

'to move into a lower gear' is the definition.
(on a bicycle)

'reformed individual' is the wordplay.
'reformed' becomes 'changed' (reform means to change or improve).
'individual' becomes 'own' (as in someone's individual or own thing).
'changed'+'own'='CHANGE DOWN'

I've seen this clue in The Times.

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