This is about how it went on my commute to work this morning. I was flying down 2200 W. at about 24 mph. The rider either didn't see me or underestimated my speed and started crossing the street right in front of me. I hit the brakes but still managed to scare the crap out of the horse. He started prancing and bucking. I went all the way across the road to the opposite shoulder to give the poor scared creature some room and to avoid getting charged or kicked. That woke me up better than Starbucks!