When I went outside to get some lunch, preferably a fish taco from Rubio's, it wasn't raining. It was a bit cloudy in San Diego, and maybe a little windy, but no rain on the horizon.
I brought my nice, warm overcoat, a good cloth one that I got for my visits to New York, but I didn't bother with my umbrella.
Sometime between getting my order and getting out of there, it started pouring. My overcoat protected me from the brunt of the storm, but the rain ran down my collar and into my undershirt. Now my undershirt is wet, cold, and clammy and it won't dry off.
There's a cosmic lesson to be learned from all this somewhere, but I don't quite understand it yet.