I just had the worst spill of my life, and it was no where else but in my front yard on pavement. I just got a lizard skin put around the part of my bike by the chain and the LBS put it on right but then it started to slide over my derailer wire. Well my front yard is a hill so I was pedalling down and my gears weren't shifting so I was pedalling harder, so by now I was hauling. Then WHAM my gears shift but my tire turns and I just fly over my bike and bounce on the pavement. The worst part is I wasn't wearing my helmet. My arms and legs are all scratched up. I walked my bike back and was real mad cause I didn't get to ride so I found my helmet and rode some more. But now that I am back I see the damage done and it isn't pretty, luckily though my head and bike are not broken. Just a lesson to you out there, wear your helmet no matter what, you can even have a spill in your front yard.