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Grace can be a ripening of karma, or a response to a direct appeal to a higher power, or can come through a saint's appeals. Faith in the Power is rewarded by grace. If the appeal fails, adverse karma must be too strong. Materialists do not make such appeals, so they receive no Grace unless the accumulation of good deeds brings good karma.
-- Notebooks Category 18: The Reverential Life > Chapter 5 : Grace > # 90