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I personally have never had an AD or an ND either, but have had one come very close to ending my life.

I was bird hunting with one of my good friends, after a bagging a few birds in one area we decided to move to another so we headed back to the truck. When we got back to the truck we began to unload our shotguns. While unloading my friend's goes off. He was holding it pointed up at an angle that lets just say was not the safest. Had the gun been tilted just a few degrees down and to the left, I wouldn't be typing this as that's where my head was. I was standing slightly forward and to the left of him (he is a southpaw) and was facing away. At some point when he was unloading he put his finger on the trigger and the gun to fired. My ears didn't stop ringing for some time.

My friend was an ex-police officer so even those who have extensive experience can have an ND.