Karma isn't fate. Nor is it a punishment imposed on us by some external agent. We create our own karma. Karma is the result of the choices that we make every moment of every day.
Karma is the record of services. Karma is the term used in Buddhist teaching. Taoists use the term te. Christians us the term "deed." Many other spiritual beings use the term "virtue." Karma, te, deed, and virtue are the same thing but in different words. To understand karma is to understand all of these words.
