Without luck your effort and efficiency will bring no success. It is like two zeros without a number in front. Your effort and your efficiency are like two zeros without any value.

00=  value    0

100= value 100

Your LUCK is the number in front of your effort and efficiency.

If you were born intelligent , it is your luck. Nothing but luck.  If you are educated, then it is your luck plus your hard work and effort. Can an autistic child (except a particular minority)learn a lot? No. So, if you could learn , it is your luck. Of course, there is your hard work. No body can deny.

Only thing you do is hardwork/ effort.