[oldvike]

It's so dense and going so fast that the earth does not have the density to cause it to break up. Kinda like shooting a .22 through an apple as opposed to a brick.

[Calvin Locke]

What effects would it have on human flesh & bone, say, scalp & skull?

[Charles Martel]

That analogy is a teeny bit shaky. If that .22 bullet were a tiny fraction of its actual size (or if the apple were the size of James' giant peach), the comparison would be much more apt. A .22 can be murder on fruit!