Apparently falling over is the most common way Kiwi's injure themselves. In 2018 ACC spent $1.1 billion on fall-related claims. The number is claims increased to 785,063 up from the 781,122 received the previous year. Click here to read more. Any kind of information like this reminds me that while avoiding the risk is a great place to start (wear sensible shoes, think safety first, use a grab rail, get fitter) there is no way I would want that as my only strategy. Some mitigation and then financial risk transfer is definitely in the picture.