Disaster vs. Misfortune

Two philosophers were sitting at a restaurant, discussing whether or not there was a difference between misfortune and disaster.
“There is most certainly a difference,” said one. “If the cook suddenly died and we couldn’t have our dinner that would be a misfortune __ but certainly not a disaster. On the other hand, if a cruise ship carrying the Congress was to sink in the middle of the ocean, that would be a disaster __ but by no stretch of the imagination would it be a misfortune