One day, on my way in to school, I was coasting down the mountain on my 10-speed and a harried woman came barreling around the corner, rushing to get her kid to school and herself to work on time. She just appeared there in front of me, coming directly at me in my lane. There was no time to react, other than to slam on the brakes and try to absorb the collision with my front tire. And that is what happened.
