I am firmly against the belief of luck. All there is to me is probability and chance. As for destiny, life happens it wasn't the will of some higher power that made you pass a test or made you meet someone. There is always logic behind every thing that happens. You probably passed that test because you know the subject and spent some time studying, mabe you only ran into that person because you were up late the night before and slept in or decided to take the bus instead of your car. To sum up I believe that what we called fate and luck are merely chance and conscious decisions made on our part.