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I've done it three times in 1200 hours of flying, I must admit.

First time, my plane was performing better than usual (conditions were just right) and I nicked the SFO airspace on climb-out. About 20 minutes later, they called me with a phone number to call when I landed. Spent the rest of the flight shitting bricks. When I got to my destination, I was chewed out by the controller for about fifteen minutes.

I was so rattled I didn't leave my home airport again until I'd gone up with an instructor for a refresher.

Second time was in Boston. I flew through an airspace extension that wasn't on the map. Spent a few minutes on the radio arguing with the controller about it. "It's not on my map". "Well, we have a letter of agreement with the local airports." "But it's not on my map, how was I supposed to know?". Nothing else ever came of it.

Lesson learned: the space between the top of a class D and the bottom of the overlying class B airspace might be considered part of the class B, so just avoid them unless you're under ATC control.

Third time, I was in contact with ATC, skirting outside the lowest layer of their class B. I turned left to avoid a cloud when I should have turned right, and got chewed out by the controller and told to make an immediate right.

Anyway, the bottom line is that if you didn't actually endanger anybody, and just nicked the corner of the airspace (which is what I did in all three cases), you'll probably just get away with a stern talking-to.

But blunder through the path of an incoming airliner, and you're probably looking at a 4-month suspension of your license.

Filing an ASRS report is probably a very good idea if it ever happens to you.