By Crystal Dunford

Just when I thought I had life figured out, I learned how quickly everything can change.

For 17 years, I had a career with the federal government, focusing on benefits, retirement, and planning for the future. My husband and I worked hard and built a good life. Outside of work, I was active and fulfilled — hiking with my kids and our dog, riding horses with friends, boating, swimming, and truly enjoying life.

One day, my son, daughter, a friend, and I went horseback riding. It was a perfect day — trails through the woods, riding down to the river, jumping ditches, laughing and having the best time. Then, without warning, my horse turned and I lost my balance. I went over his shoulder and underneath him. In an incredible act of instinct, he jumped over my body to avoid stepping on me. He is truly an amazing horse.

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