"Diligence is the mother of good luck."
-Benjamin Franklin-
Luck is believing you're lucky. Destiny is a good thing to accept when it's going your way. When it isn't, don't call it destiny; call it injustice, treachery, or simple bad luck.
:)
I've found that luck is quite predictable. If you want more luck, take more chances. Be more active. Show up more often.
In short, Luck's always to blame.
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