My last big crash was on Black Monday Oct 19,1987 the day of the big stock market crash and only a week after I got married. I was coming down a hill on my Miyata Ridgerunner mtn bike commuting to work when I ran off a 3" lip on the shoulder of the road and overcorrected to the left and fell on my right wrist breaking it. A few years later also commuting to work I crashed on black ice and went face first down on the pavement and only had a scrape just above my lip.