Mark Twain's "Luck" has two narrators. The story about Scoresby is told within a narrative frame. An unnamed first-person narrator introduces the situation of confidential revelation in paragraphs 1–4. The second narrator, the clergyman, tells the actual details of the story itself. This shift in point of view, from the unknowing narrator to the knowing counselor and friend (who is "a man of strict veracity" with a good "judgment of men" [paragraph 4]), is designed to authenticate the revelations about Scoresby’s blundering career. The explanation of how Scoresby passed his exams, for example, depends on the clergyman’s having been an instructor at Woolwich Academy and therefore having been familiar with the types of test questions usually asked (paragraph 5). In short, the clergyman narrator learns everything that he tells, first, because he was an observer and major mover, and, second, because he was an on-the-spot participant and observer.
The Reverend is the narrator in ‘The Luck’. The first two paragraphs on the story's last page might be said to be the climax of the Reverends narrative about the decorated British hero. The Reverend tells these two paragraphs that contain the climax. And finally we come to the climax, where Scorsby is standing in front of the biggest challenge of them all.