I'm driving in a car on a road covered in deep snow, with about four nondescript passengers. Everything is going fine until suddenly the headlights in the adjacent lane are coming directly at me - apparently the snow has obscured the lanes and everybody, following each other, got confused and ended up in my lane. I have no choice but to swerve to the left onto the shoulder, which is all covered in snow, and turns out to be an ice shelf. The ice breaks and the car tumbles into a cold lake.

I manage to jump out before the car falls in, but everybody else is swimming around in the freezing water and laughing, so I jump in, submerging immediately. It's not as cold as I thought it would feel. But then I remember, I should have taken my wallet out of my pocket, because now it's probably soaked. I try to fish it out underneath the water.