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We all have karmic debts to meet, self-earned penalties for sins and errors committed in former lifetimes if not in this one. Therefore, the philosophic student should not be surprised if a cycle of pleasant karma is followed by a difficult cycle. This doesn't mean the student should resign himself and do nothing about his troubles. On the contrary, he must seek every practical means of overcoming them. By so doing, and if he does the best he can, then there is a possibility that the debt may be modified--sometimes even cancelled. He may always cling to hope.

-- Notebooks Category 2: Overview of Practices Involved > Chapter 3 : Uncertainties of Progress > # 55