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When I was learning, I couldn't brake on a downhill and missed the turn. I had a rich choice between "crashing into a tree and completely messing up my face and, worse, the rental bike" and "falling on the asphalt and completely wrecking my knee and tearing off my toenail." In short, that finger still hurts, yes, and I avoid bikes like the plague. Although that day, I brushed myself off, got back on, and rode for another hour, since I had already paid for it.
And yes, are we going completely off-topic here, guys?