 where hard work ends and where luck begins. You see a friend get promoted and you wonder, was it the right place, right time, or was this based on their merits? You find yourself face to face with a costly home repair and you wonder, have I been cursed by the divine above? Like what's going on here? Or is it because you neglected smaller maintenance along the way? The great one, Wayne Gretzky famously said, you miss 100% of the shots you don't take.