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fa-idhā
فَإِذَا
So when
massa
مَسَّ
touches
l-insāna
ٱلْإِنسَٰنَ
[the] man
ḍurrun
ضُرٌّ
adversity,
daʿānā
دَعَانَا
he calls upon Us;
thumma
ثُمَّ
then
idhā
إِذَا
when
khawwalnāhu
خَوَّلْنَٰهُ
We bestow (on) him
niʿ'matan
نِعْمَةً
a favor
minnā
مِّنَّا
from Us,
qāla
قَالَ
he says,
innamā
إِنَّمَآ
"Only,
ūtītuhu
أُوتِيتُهُۥ
I have been given it
ʿalā
عَلَىٰ
for
ʿil'min
عِلْمٍۭۚ
knowledge."
bal
بَلْ
Nay,
hiya
هِىَ
it
fit'natun
فِتْنَةٌ
(is) a trial,
walākinna
وَلَٰكِنَّ
but
aktharahum
أَكْثَرَهُمْ
most of them
لَا
(do) not
yaʿlamūna
يَعْلَمُونَ
know.

Fa izaa massal insaana durrun da'aanaa summa izaa khawwalnaahu ni'matam minna qaala innamaaa ootee tuhoo 'alaa 'ilm; bal hiya fitna tunw wa laakinna aksarahum laa ya'lamoon

Sahih International:

And when adversity touches man, he calls upon Us; then when We bestow on him a favor from Us, he says, "I have only been given it because of [my] knowledge." Rather, it is a trial, but most of them do not know.

1 Mufti Taqi Usmani

When man is visited by a trouble, he prays to Us, but when, after that, We favor him with some blessing from Us, he says, “This is given to me because of (my) knowledge.” No, but this is a trial, yet most of them do not know.