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Karma is a Hindu term & I don't believe in it. (cosmic slap to the face, or some nonsense)
Kamma is the Buddhist term and I believe in that version. It goes something like, if you're an asshole to somebody (action) , later on the fruits of that will manifest: like you're having trouble sleeping and something doesn't feel quite right, probably weighting on your subconscious is that previous action. You harm another person/treat them like shit, then it's a reflection of how you treat yourself. We are mirrors for humanity. Simple as that.
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