No doubt it often happens that a child possesses qualities of his ancestors which were perhaps missing in his parents, or even two or three generations back; however, this is another heritage, a heritage which is known to us as such. I might express this by saying that a soul borrows a property from the spheres of the jinn, and a more concrete property from the physical world; and as it borrows this property, together with this transaction it takes upon itself the taxation and the obligations as well as the responsibilities, which are attached to the property. Very often the property is not in proper repair, and damage has been done to it, and it falls to his lot to repair it; and if there be a mortgage on that property that becomes his due. Together with the property he becomes the owner of the records and the contracts of the property which he owns. In this is to be found the secret of what is called Karma.