Not necessarily embarrassing but annoying - a couple of weeks ago I'd showered and was getting dressed. I pulled my clothes out of the pannier and my boxers fell into a pool of water. I made a grab for them and knocked my shirt into the same pool. I managed to dry them to a certain extent using the hand-drier. I then stood in the same pool and had to dry my right sock. By this time I noticed that my pannier had fallen off the bench and into the same pool. Sometime's water's just magnetic.
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Topic: Commuting: Embarrassing Situations