Put your helmet on in time!
Second day skiing (naturally on the last trip of that day) suddenly and unexpected I was approaching another skier (no not Nassim even if I heard rumors he had been there a few days earlier, wonder if he now also use helmet, he did not use helmet when I went skiing with him years back) that like me was skiing way too fast. We both tried to avoid each other by making a quick turn, the problem was both turned the same way .... and SMACK.
Basically I blacked out for a fraction of a second and my head was hurting and one of my poles where broken. This was even with helmet on. Thanks to my tail protection (helmet) I was up and skiing again the next day, timing is everything ( or more likely I was a lucky fool putting on my helmet just in time). The powder skiing is amazing, but do not let many years excellent track record make you overconfident.
If just Bear Stearns had been thinking along these lines. I would not be surprised if they actually were offered a helmet in good time, or at least part of a helmet, but based on their long and great historical track record without using helmet they probably though there was no need for one.
Timing is everything. It is better to be lucky than smart.


