Bhcg 972miu/ml. does that mean l have lost the pregnancy or not? please advise

Doesn't mean either: But... any woman may have a miscarriage, as a normal part of life. If a woman has recurrent miscarriages, there are some known causes (other than bad luck) such as genetic disorders (like a chromosomal abnormality), autoimmune causes (like anti-phospholipid syndrome), anatomic causes (such as a malformed uterus), and environmental causes (like smoking). Can call one's Ob-Gyn doctor.