Richard It was a freezing, rain-soaked night in December. I hurried into the navy-blue minivan, where my wife, son, and twin girls were already waiting—laughing at how close I’d come to wiping out on the driveway. We were heading to a friend’s place for a Christmas party. Same tradition every year. My wife was mid-sentence, talking about our March trip to Mexico, when the tyres hit black ice. After that—nothing clean. Jus...