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n.
a state of extreme (usually irremediable) ruin and misfortune; "lack of funds has resulted in a catastrophe for our school system"; "his policies were a disaster"
n.
a condition or state of affairs almost beyond one's ability to deal with and requiring great effort to bear or overcome; "grappling with financial difficulties"
n.
anything that happens suddenly or by chance without an apparent cause; "winning the lottery was a happy accident"; "the pregnancy was a stroke of bad luck"; "it was due to an accident or fortuity"