What is Karmic Adjustment?

[Terrance]

Traditional KA could take centuries, but Modern KA, with the machines
(i.e., computer) and the "invention" of new and not so "Plain Vanilla"
"insurance & investment products" changed just about everything. Getting
old, how about a reverse mortgage? Let the kids earn their own living.
Want to defer your premium payments,  leverage your principles with a
balloon or bullet, write a futures contract against your partner? Death?
Oh, no, we got rid of Death. We don't even mention him anymore. Here,
take a look at this prospectus, it's the hottest product in non-life
these days, our portfolio managers only invest in options on futures on
futures.