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There are only two ways you can bring your karmic energy into balance. You must suffer ten fold the wrong you have done or do good and kind acts, without seeking glory from those acts. It's best to not challenge your karma but if you do you also get to choose how you will pay for it. However if you choose not to choose, Mistress Karma will choose for you. It is not karma's job to forgive but to teach. If you insist on learning the hard way she will accommodate you.