Most folks don't go through their lives expecting one specific disastrous event to occur, and then have it unfold according to a predetermined script.

Several years ago, I didn't get up in the morning expecting some jerk to get mad at his girlfriend, light a tree in her yard on fire, and set off a 100,000-acre forest fire. But he did.

People don't go to work, expecting to sit down at their desks and grab another cup of coffee, only to find the company filed bankruptcy at midnight the night before. But it happens.

The folks in West Virginia didn't expect that a container would leak deadly chemicals into the municipal water supply. But it did.

Residents of Haiti weren't expecting it the day an earthquake leveled most of the homes on the island. But they still found themselves homeless.