In December 2023, Jacques accepted an invitation from friends to go snowboarding. Jacques did everything right: took a lesson, stayed on trails well within his skill level, and maintained an awareness of people and objects near him. Even though he thought it was a bit dorky to wear wrist guards and a helmet, his friends insisted that he take standard and reasonable safety measures. Jacques was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ran into Jacques. Jacques was injured and taken to the nearest hospital by ambulance. Jacques's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of his head injury. Jacques spent a couple of days in intensive care. Fortunately, he didn't have a broken skull, but did have a concussion. Surgery was performed to repair the broken wrist and elbow. Since Jacques was in good health, his recovery was complete. Jacques returned to full function in about six months. Soon after Jacques returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors,