Last autumn, around dusk, I was on the front top seat of a double decker bus driving along unlit country lanes...

The bus turned a corner and had to veer to avoid a a young female rider on the road dressed all in black, on a black horse...

No hi viz reflectors, or lights...

This may be stereotyping, but it's fair to presume she was a reasonably well brought up and educated daughter
from one of the nearby village posh families...

Arrogant stupidity and disregard for road safety is universal...

Clash of horse versus cyclist - I'd bet on the horse usually winning...