“Mr. Gascoigne says that you have come to Hokitika to make your fortune.” “Yes: so I hope.” “And how will you make it?” “By dint of hard work and good planning, I expect.” “Of course, there are many rich men who work little, and plan nothing at all.” “Those men are lucky,” Moody said. “Do you not wish to be lucky also?” “I wish to be able to call myself deserving of my lot,” Moody said carefully. “Luck is by nature undeserved.”