I was riding Zum near my house when a young girl rides by on a horse. I tell her that I am on a green horse and would it be OK if she doesn’t gallop away? She nods her head and then she starts to trot down a bank into a wash. I felt Zum panic and freeze. At this moment, I could have gotten off. I tried to remain calm and brave, My confidence did not help me. Zum bucked me off and ran away. I landed on my right wrist and my right side and I screamed…