I was caught going over...
I was caught going over the speed limit in a school zone. I didn't mean to do it; I wasn't in a hurry; I just wasn't paying attention. When the police officer asked for my license and registration, I knew it was going to cost me a bundle in both the ticket and higher insurance premiums. He came back to my car and handed me my license, my registration, and a written warning ... but no ticket! I thanked him and drove carefully on my way. That written warning is on the sun visor of my car where I can see it and be thankful for grace: an unmerited favor given to me.