That's EXACTLY what I'm getting at. I hate when that happens.
Squeaky pedal cleats also cause panic attacks.
On my motorcycle I had a helmet with a visor that used to "ping" intermittantly in turbulent air. It sounded just like a metallic tick from the bars/forks/front end.
Also I've often had a terrible fright when roadworkers let rip with their pneumatic drill just as I'm wondering if there's a noise coming from the gearbox!
Stew
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The older I get the better I used to be.