an unfortunate mishap; especially one causing damage or injury
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"
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The essential insight doesn't come out of any planning process, it comes from a mix of desire, curiosity, ambition and need. But there also needs to be some foresight, as in a sense of where things might go. So radical innovation is always one part fortuity and one part clearheaded vision.