Definition of the word. An unfamiliar term. A beneficent law. How present life is affected by past acts of other lives. Each act has a thought at its root. Through Manas they react on each personal life. Why people are born deformed or in bad circumstances. The three classes of Karma and its three fields of operation. National and Racial Karma. Individual un-happiness and happiness. The Master’s words on Karma. Pages 89 to 98. CHAPTER XII. KAMA LOKA. The first state after death. Where and what are heaven and hell? Death of the body only the first step of death. A second death after that. Separation of the seven principles into three classes. What is _Kama Loka_? Origin of Christian purgatory. It is an astral sphere with numerous degrees. The _Skandhas_. The astral shell of man in _Kama Loka_. It is devoid of soul, mind, and conscience. It is the “spirit” of the _séance_ rooms. Classification of shells in _Kama Loka_. Black magicians there. Fate of suicides and others. Pre-devachanic unconsciousness. Pages 99 to 108. CHAPTER XIII. DEVACHAN. The meaning of the term. A state of _Atma-Buddhi-Manas_. Operation of Karma on Devachan. The necessity for Devachan. It is another sort of thinking with no physical body to clog it. Only two fields for operation of causes—subjective and objective. Devachan is one. No time there for the soul. Length of stay therein. Mathematics of the soul. Average stay therein is 1500 mortal years. Depends on psychic impulses of life. Its use and purpose. On the last thoughts at death the devachanic state is fashioned. Devachan not meaningless. Do we see those left behind? We bring their images before us. Entities in Devachan have a power to help those they love. Mediums cannot go to those in Devachan except in rare cases and when the person is pure. Adepts only can help those in Devachan. Pages 109 to 116. CHAPTER XIV. CYCLES.