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One of the things about karma, is that no one knows where the balance sheet stands ... karma is not an instant quid pro quo of rewards and punishments. Stuff is worked out over lifetimes.
Having the car break down, the wife leave you, and a tree fall onto your uninsured house may be hardships you face because of something your soul did several lifetimes back rather than that time day before yesterday you pinched the waitress' ass and didn't tip her.
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