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Sorry that happened to you, but it was your fault. Assuming a gun was unloaded has gotten many people killed. You know this and just forgot one of the most basic rules of gun safety.

Someone else handled your gun since you last did. You have absolutely no idea what it's actual condition is. Heck, I check mine every time I put it on even if I have no reason to believe my wife has handled it. Maybe she has or maybe I did something odd like unloading it. I don't want to need it and hear it go "click."

I bet you don't forget it again.