A universal gym exhibits improved versatility employing a frame supporting a weight stack connected via cable to an exercise attachment point, which further engages a floating pulley with an extension cable. Accessory receiving ports throughout the frame allow placement of the floating pulley virtually anywhere the athlete desires, affording a vast array of exercises employing the weight stack. Free weights, elastic bands, and the weight stack, alone or in combination, can provide a diverse resistance. Decorative panels, optionally mounted with hollow-headed bolts each having an axial recess for receiving and retaining a panel-mounting rivet, can disguise the universal gym when not in use.
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