"A Karmic Lesson," Sierra said, raising her hand, "is a lesson you have to learn, because...well, you didn't learn it in the past. You find this by using your full birth name, assigning each letter in your name a number, and figuring out the single digit numbers that are missing." There. That sounded like a pretty good summary. ...and Karmic Debts? Hmm... "A Karmic Debt is, I think, a chance to correct what didn't do right in the first place. You find it by checking to see if a 13, 14, 16, or 19 was in your Birthday Number, Maturity number, or four Core Numbers before they were reduced."

Merlin, that was a lot of information!