When disaster strikes, what determines who lives and who dies? Does luck, chance, Karma or God decide our fate? And, do those who survive owe any debt for their lives? Compass explores how survivors of two very different disasters have made sense of what happened to them. Hanabeth Luke was 22 when she survived the Bali Bombing, but the love of her life - who was just metres away from her on the dance floor of the Sari Club – did not. Josh & Gabby Magnus and their sons, Eli and Zac, were in Thailand on Boxing Day 2004 when the tsunami hit their holiday resort. They survived, but more than 230,000 in the region did not. How has their survival impacted on their lives? And, have their religious beliefs played a role in their extraordinary experiences?