Roughly $3700 US, plus low estimate of $10,000 in medical bills. Allow me to explain... Driving home from work today, doing maybe 50mph in a 45 zone. Upcoming light is green. Im going straight. As i approach the light, the big SUV (surprise) in the oncoming left turn lane pulls out directly in front of me, slowly starting to make a left. So now i just see this big blue SUV (4runner maybe?) directly in my path. All i can think is "Yup, im going to hit that". Meanwhile, my instincts have already kicked in. Heavy braking at first, backing off slowly. Executed well enough that i was able to steer to the left as the car is slowing down. No ABS activated (still kinda wondering about that). This was all instinctual...no time to think. 3 years ago i would NOT have been conditioned to make this move. As a result, by being able to still turn left under full control, while threshold braking, i missed this SUV by a foot or so to the left. I came to a stop and checked my mirrors. Other cars stopping behind me. Other driver drove off of course. I lay on the horn for 2-3 seconds (more instinct) then check mirrors again and drive off. Thats when i realized my actions, and where they were learned and practiced. Mostly on R3E. Threshold braking, avoiding crashed drivers and early brakers, and trailbraking in general...it all came into play. Id be willing to bet that if the same thing happened 3 years ago, id have hit the guy, and he'd be paying for 2 new vehicles (I drove my beater 03 forester today, usually drive it twice a week), as well as medical bills for injuries. Major collision averted. Thanks for reading and all those on the track who have schooled me along the way! And heres my Forester...just had ball joint replaced that fixed brake vibration issue, picked up the day before the incident. Good timing.