Thank you for your comment. These are all great points. I absolutely appreciate #1. #2 is a bit harder to accept as it implies I don't have agency. I always had the dogma that my hard work would make a difference from the perspective of financial success. And it has made a difference no doubt. The thing that has preoccupied my thinking is the magnitude. We're talking 100 to 1 when it comes to the impact of luck vs. hard work. This is a bit unsettling for me. Cest la vie I guess.