JB:  Yes we have had big losses, but always there was a know cause. And once

again we have deal with those causes.


Juanse, does this fit your description of "luck"?  Losses happen, then you figure out what happened and overcome the losses.  Now if no losses happen in the first place, aren't you better off?  This would seem like "luck" to me...either bad (first case) or good (second case).

Christina

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