Part 1: Can't send long mails due to some crap problem. OK so I was riding back to work after a trip home. I had new front pads fitted Monday. It had rained "just a smidge" I'm going downhill at 50 on a snaky left/right bit. I see a fourby stop, look at me and think right he's seen me. Like hell. Or maybe he did. Dunno. Leave the 'adding' to Clem (sorry if I misremember, it's been a pissy day). Anyway next thing I know there's some dolt in a fourby doing about 25 in front of me doing 50 at a nice lean in the wet with new front pads. I think don't brake too hard, straighten up a bit to brake more .. got all that in motion anyway .. then there was the kerb, and me going at about 15 degrees to it, at around 30 (sorry for the pedants, I felt my attention best directed elsewhere, it may have been 20 ..). I'm not wearing gloves or a jacket for the first time ever.