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Lightning works its way down from a cloud in a series of steps (this all happens really really fast of course) and as it gets closer to the ground, positively charged "streamers" start to grow from objects - trees, steeples, the ground, a bush, cyclists - any random object. Eventually the bolt extending from the cloud will connect with one of these streamers and the discharge (main lightning bolt) takes place - often pulsing several times as charge from different areas of the cloud is released.
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I once saw a photo captioned "The luckiest photographer alive" which was a tremendous photo of a lightning bolt hitting a nearby tree, but more importantly, a positive streamer growing out of a small bush right in front of the photographer
![Shocked :o](/forum/Smileys/classic/shocked.gif)
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My uncle (RIP) was struck by lightning (it wasn't that that killed him). He said he knew he was going to be struck because all his hair stood on end and the fillings in his mouth suddenly produced a staggering pain in his teeth. Chances are, he was sensing the streamer before he was struck. He was really badly burned, but made a full recovery.
So - if your fillings start hurting, or your hair stands on end as you are riding home - I'd hit the deck if I were you.