Ok – I’m a happy to admit it! I’m an endorphin junkie. Anything with a ball when I was younger and then pumping weights in the gym. And sport was compulsory when I was in the Navy.

These days, at 56, with dodgy ankles and a dickie knee, my addiction is cycling, great low impact cardio-aerobic exercise. About five years ago I even dispensed with the trouble and cost of owning a car and cycled a 32 kilometre round trip to work every working day of the year, come hell or high water, and up to a hundred kilometres a day on weekends.

But my addiction has brought me undone. Despite my best efforts, as described in my blog, and through no fault of my own, I was taken out by an inattentive driver on the way to work and ended up with a broken wrist requiring eight weeks off work. The bike was fine thank God; it’s worth $5K.

I bear that driver no malice. He made a simple, innocent mistake, just...