Straggler,
Go back and read what I just described life as being, and I think you can find the beginnings of an answer.
Of course the English language really isn't deep enough to fully describe the intelligence and sophistication that is life-that so many here are willing to simply chalk up to mere chance.
What's really silly, in my opinion, is that those same people that want to dismiss any intelligent force behind creation-because it can't be seen or proved, are however perfectly willing to invoke visions of endless universes, in which all is possible, or multiple dimensions, or cosmic hidden forces, if these imaginations they have conjured up can somehow help them to rationalize the reality they see without having to invoke something they describe as "unnatural" because it can't be seen.