What time is the conversation taking place?

M: I’m exhausted from the shopping. I had to fight through the crowds.
W: It’s always terrible around Christmas. It’s like a continual rush hour.

M: Mary, you are trembling, and you are as pale as a ghost. What happened?
W: I nearly had a terrible accident. I was driving down John’s Street when a school bus pulled over in front of me. I could hardly keep from getting hit.