A woman was skiing in Vermont, and forgot to use the bathroom before she went up to the top of the ski slope.  After she started down, she realized that she had to go too bad to wait until she got to the bottom, so she skied off behind some trees to use the bathroom. 

After she got her pants down, she lost control of her skis and went on skiing down the slope with her pants down.  She fell and broke her arm and was picked up by the ski patrol and had the bone set at a nearby clinic. 

She was brought back to the ski lodge, where she decided to make the best of the situation and went down to the lobby where there was a fire burning in the fireplace and a few people were lounging around.

Seeing a man with a broken leg sitting in front of the fire, she approached him, thinking since they had both had skiing accidents, they might have something in common. 

After a exchanging amenities, she asked him how he happened to break his leg, and he told her his story.  He had been skiing down the slope when a woman came skiing past with no pants on.  He was so distracted that he lost control of his skis and fell, breaking his leg.