Upper 30s, light rain.

I was cruising down a short hill, ~20MPH, approaching a side street that I know has no stop sign. Very residential area. A car is approaching the intersection on the side street. (You can see where this is going.)

It's not dark, but dusky. I've got my 13W halogen pointed right at her, and it doesn't affect her. She just rolls on out in front of me. Now, I knew she was going to do this, so I was already coasting to drop speed and covering my brakes. I vectored myself to keep my light focused right in her face and so I could ride within inches of her car to freak her out. She looks at me, goes deer-in-headlight(s), then gasses the car to get out of my way.