That's pretty much what happened to me, Sparky, a combination of both.

I've only had three "big" falls (I've tipped over a few times), and each time I remember my PCP recommending I take calcium because of the MS. I asked him if people with MS are more apt to have osteoporosis. He said, "No, they're more apt to fall."

The older I get, the more I think of that.