Word by Word Analysis

فَإِذَا مَسَّ ٱلْإِنسَـٰنَ ضُرٌّ دَعَانَا ثُمَّ إِذَا خَوَّلْنَـٰهُ نِعْمَةً مِّنَّا قَالَ إِنَّمَآ أُوتِيتُهُۥ عَلَىٰ عِلْمٍۭ ۚ بَلْ هِىَ فِتْنَةٌ وَلَـٰكِنَّ أَكْثَرَهُمْ لَا يَعْلَمُونَ 49

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.