The Bible is the claim, not the evidence

[I am God]

I believe it to be far more likely things are created rather than they just happened.

More than likely only because it is in harmony with your religious view. Chemical reactions happen constantly and at random in nature. There is absolutely one happening as I type this. That's all life is... a chemical reaction. We are extremely close to proving that RNA can simply spring into being in the conditions of a pre-life Earth.

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Do I have this right? Mutation is synonomous with chance.

I would say change not chance. Mutation equals change.

So mutation (change) occurs, then natural selection eliminates the harmful or unbeneficial change and the good change survives to enter into another state of mutation (change) and this cycle occurs for millions of years (time). So if I say change through natural selection and time is that an accurate definition? = YES

Those species that develop in a fashion that allows them to better survive will continue to survive. Their genetic information gets passed along. Those less capable of surviving often do not make it. Sometimes a species will simply branch in two different directions and then from there continue to evolve in two different directions. Much in the way we are related to apes. At one time we had a common ancestor. Some of us went one way... the others went another. Look at a squid and an octopus... certainly you can see they have similar characteristics.