The guy had no lights, no flasher, no reflective clothing and I was totally unaware of his presence. Any how I go through an intersection, evidently this guy was cutting the corner through a parking lot and comes out of the parking lot right in front of me! all of a sudden a bicycle just appears in my headlights. All I could do is jerk the wheel and swerve around him. That's the worst adrenaline rush i ever had. I hope he got safely to his destination, and that in the future, if he rides in the dark with no lights at least he get's a helmet.