Source: BTG PQ
The difference between fate and coincidence depend on subjective interpretation, wherein we see a positive turn of events as our just reward and a calamity as an undeserved happenstance.

a. depend on subjective interpretation, wherein we see a positive turn of events as
b. depend on subjective interpretation, and we see a positive turn of events as
c. depends on subjective interpretation: seeing a positive turn of events as
d. depends on subjective interpretation: we see a positive turn of events as
e. causes us, depending on subjective interpretation, to see a positive turn of events as

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