15 years or so old, cycling home from school on my BMX.
It was a racing type, no front brake, only rear. My home was halfway down a steep road that ended with a busy T-junction, concrete wall opposite.
Heavy rain. Local council truck pulled up on the verge ahead, Worker's huddled in the back, door open, waiting for the shower to pass.
Brake failed. I weighed my options and decided to bail...I stood on one pedal and hopped off onto the verge. When I stopped rolling, I got up, collected my BMX and the Worker's and I just stared at each other for a few moments.