What does "hard luck" mean?

[Feofan]

Test No. incompl/elem-34 "Responses (7)", question 6

Frank: 'You know I put money in that company - well it's gone bankrupt.'
Jill: '.........'

(a) Stiff luck!
(b) Solid luck!
(c) Hard luck!
(d) Thick luck!

Test No. incompl/elem-34 "Responses (7)", answer 6

Frank: 'You know I put money in that company - well it's gone bankrupt.'
Jill: 'Hard luck!'

Correct answer: (c) Hard luck!
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Meaning of hard luck?

Feofan

[Alan]

I'm afraid stiff luck doesn't exist - hard luck means in fact that you are very unlucky.
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English as a Second Language
You can read my ESL story A funny thing happened...