The Calvary arrives!
I do have to jump in here and defend the good Jaz Man, I'm not to sure where you got the idea that he was being arrogant from. I think he was just trying to say that luck may be that little more useful if you work hard and do a little study before your sim.
Personally Jaz has helped me quite a lot and has always been open with any information he has ever had. I usually find that a personal message may get you more specific information then demanding it over a anonymous forum.
Your the man, jaz the fatman!