I believe in a combination of the two. You control your decisions, your decisions control your sitiations, but if lady luck wants something to happen, you lose all control.

I believe that the whole universe is being controlled by a force called nature. I believe that luck is simply the circumstances that surprise us when we don't understand where the flow of time will take us.

Bah... it's too hard to describe it... I'm not right in the head anyway, but if you are catching on to what I'm saying it would make perfect sense.