You nod off at the wheel and wander into opposing traffic!!
If you have Key #3 you are able to swerve back into your own lane in the nick of time.
If you do NOT have Key #3, another car hits you and you go to the hospital, which costs $500 for the deductible. Fortunately for you, no one in the other is hurt. Add 2 years to your age.
Go West Go East 
