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Events happening to us are not necessarily karmic in the sense that we earned them. They can also have a non-karmic source. No physical doing on our part brought them on, but they are what we need at that point for character or capacity, development or correction. Both kinds are fated. In that sense they are God's will.
-- Notebooks Category 9: From Birth to Rebirth > Chapter 3 : Laws and Patterns of Experience > # 20