Atheist response to the "fine-tuning" of the universe?

Are luck and a multiverse the only explanations?
Update: Dreamstuff: I consider myself an atheist. You should be more cognizent of when you copy-and-paste.
Update 2: We're not monkeys: Born in Indiana. Way to answer the question.
Update 3: Moiraes Fate: Care to list them? Or any?
Update 4: Samurai Jack: I was specifically thinking of the strength of gravity. Any stronger, the universe would remain in singularity, any weaker, the unverse would be dust.
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