I had a decent fitters mate 20 years ago in the ductwork game, cracking 'lad' and a decent midfielder too, I got THAT phonecall one saturday afternoon that he was in hospital and had suffered a serious leg injury. I went to see him that tuesday night, he was propped up in bed with a cage around his Tib & Fib, he'd broke it in 8 places FFS!!! He was off work 9-months, came back on light duties (NO climbing) and then jacked in completely because he was no use to me fitting ductwork.. I saw him last year, still gets pain on certain days, never played football since, worked in a tile shop after he left us... He'd got no insurance as it was a 'friendly' between friends and even tried unsuccessfully suing the player that did it... May not be deliberate but its crazy playing football when your job or your refereeing career is at stake!