Karma Questions
Transcript of Karma Questions
-
8/12/2019 Karma Questions
1/76
-
8/12/2019 Karma Questions
2/76
/%&')&'"
8/-&(9+:-.(/
;.)#8,/+))#&./?
@A#/./?-"#6((&-(-"#6"%''%
*+#,-.(/,()>3.BB
C#9(')&('C#%&
>%',%&%
>%',%&%6.D.9#901E#&(
!"#F?#/9%,()G./9)+B/#,,
6#A#&:#A-.(/
!"#H#.?"-()G(+/-%./,
C.D#I.B#,()2&.:3,
I#//.%B8,,+#,
JH"#/1(+3/(K)(&1(+&,#BD#,LMN
-
8/12/2019 Karma Questions
3/76
0&'1%,+2'-%&
!"#
-
8/12/2019 Karma Questions
4/76
!"##,,%1,./-".,0((3%%/%--#'A--()(BB(K-"#2+99"%%/,3&.-%/9I%B.
-#&',R,(#13#9?#13#9%/9&-1@#./,('##,,%1,T,(#33#9?#33#9%/9&-AA#./
(-"#&,M8"(A#
-"%-
-".,
A,#/-,
/(
9.)).:+B-.#,M
!"%/.,,%&(2".33"+
45#())#5&%))7
G#--%C(,-G(/%,-#&1
Z%BB#1[#/-#&Q[F\]^_]`a^\
>#A-#'0#&Q]^^]
-
8/12/2019 Karma Questions
5/76
B-C)0"&D'=+"'E+CC)1-&;
JX#,"(K#9'#-"#0&.?"-/#,,()-"#K(&B9MN
!"%-
-
8/12/2019 Karma Questions
6/76
+A-(.-Q-(#W%'./#.-:%)+BB1M!"%-K%1Y01+/9#&,-%/9./?.-YK#:%/)#&-
(+-.-,:%+,#%/9A+-%/#/9-(.-M!(-%BB1MX(K:(/).9#/-:%/1(+?#-U
F)%.&/+'0#&()K&.-#&,"%D#A(./-#9(+--"#0%,.::(/).9#/:#./"#/-./-"#
)(+&
/(0B#
-&+-",Q
%/9
1#-
-"#
&+'(&
()
2+99".,'
-
8/12/2019 Karma Questions
7/76
-(0#:B+/?-(%,,#B)M;(/?/%.B,)(BB(K,-"#2+99"%
-
8/12/2019 Karma Questions
8/76
-"(+?"QAB%1,%'(A%&%9(W.:%B&(B#Q)(&1(+"%D#-("(B9-(-"#,3.BB)+B
O+%B.-.#,()'./9)+B/#,,Q:(/:#/-&%-.(/Q%/99.,:#&/'#/--"%-)(,-#&%K%/#,,
+/-.B-"#1
-
8/12/2019 Karma Questions
9/76
GF)&-&;'()H%%1'%'()H(#33#
I)"F)2'-&*+,,(-"'7(%+;('J.1#2'-2)
8)1(+
-
8/12/2019 Karma Questions
10/76
-
8/12/2019 Karma Questions
11/76
:"((,#"(K-(+,#.--('(9.)10#"%D.(&M!"#2+99"%
-
8/12/2019 Karma Questions
12/76
K(&-"1:(+&,#()%:-.(/.,-"#)(+&-"3./9()3%''%Y-"#-1A#-"%-B#9-(".,
FK%3#/./?Y-(A+-%/#/9-(3%''%(/:#%/9)(&%BBM
!"#,3.BB/##9#9)(&-".,)(&'()3%''%:('#,)&(':((&9./%-./?-"#)%:-(&,
()
%--#/-.(/
%/9
./-#/-.(/
,(
-"%-
-"#1
B#%9
).&,-
-(
AB#%,%/-
,+B-,
K.-"./
-"#
&(+/9().&-"Q%/9-"#/Y(/-"#-&%/,:#/9#/-B#D#BY-(-(-%BB#%,#)&('
,+))#&./?%/9,-,,M!".,Q./-+&/QO+.,:#&-%./%--.-+9#,-(K%&9-"#A&./:.AB#
():%+,%B.-1(A#&%-./?./"+'%/B.)#MF/9-".,.,K"#-"#O+%B.-1(),A#:-
0#:('#,#,,#/-.%BQ)(&K.-"(+--"#A&(A#&,A#:-)(&-"#-"./?,Y1(+&,#B)Q-"#
A&./:.AB#():%+,%B.-1(A#&%-./?./1(+&B.)#Q%/9(-"#&A#(AB#
-
8/12/2019 Karma Questions
13/76
8)Q"(K#D#&QK#9#D#B(A,-&(/?,A#:-)(&(+&(K/%0.B.-1-(%--%./-&+#
"%AA./#,,Q-K(.'A(&-%/-'(&%BO+%B.-.#,-%3#:"%&?#()(+&'./9,%/9K%-:"
(+-)(&(+&?((9O+%B.-.#,R:(/:#&/)(&-"#,+))#&./?K#
-
8/12/2019 Karma Questions
14/76
!"#9.,:(+&,#-(-"#$%B%'%,Q"(K#D#&Q9(#,/
-
8/12/2019 Karma Questions
15/76
,+:"%/#'A"%,.,(//(-(/B1C))8-&;,A#:-0+-%B,("(%O-&;.-M8)1(+:%/
-
8/12/2019 Karma Questions
16/76
K"("%D#%--%./#9.-M!"#10(K9(K/-(%BB-"#.&.//#&%/9(+-#&-#%:"#&,K.-"
-"#,./:#,-Q'(,-"#%&-)#B-?&%-.-+9#M!(,##-"#'0(K9(K/./-".,K%1.,%/
./,A.&./?,.?"-M
>(
K"#/
2+99".,-
A%/-,
-#%:"
-"#.&
:".B9/
-(
,"(K
,A#:-
)(&
-"#
2+99"%Q6"%''%Q%/9>%/?"%Q-"#1%/
-
8/12/2019 Karma Questions
17/76
Q+)"'-%&"%CE?-88
!"#2+99"%K%,/
-
8/12/2019 Karma Questions
18/76
:('#)&('(+&%:-.(/,Q(+&3%&'%Q,(-"#O+#,-)(&-&+#3/(KB#9?#%/9-&+#
"%AA./#,,:('#,9(K/-(%O+#,-.(/(),3.BBM8/-".,:%,#Q-"#A:.,#O+#,-.(/.,R
J8,,#B).9#/-.).:%-.(/,3.BB)+BUNF/9-"#%/,K#&.,RJ@/B1+A-(%A(./-MN8/-"#
%%,
K"#
1(+
/##9
%
"#%B-"1
,#/,#
()
,#B)
-(
%:-
,3.BB)+BB1Q
.-(Q%,K.-"%/1,3.BBQ-"#%#)./.-#,-#A,%B(/?-"#&(%9-('%,-#&1MF/9
0#:%+,#-"#%,3./?()%O+#,-.(/.,%-1A#()3%&'%Q-"#O+#,-.(/,1(+%,3/(-
(/B1"%D#-(,-%&-K.-"-"#.,,+#(),3.BBQ-"#1%B,("%D#-(0#,3.BB)+BY-(
%AA&(%:"-"#.,,+#,3.BB)+BB1Y-"#',#BD#,MP%:",-#A./-"#2+99"%
-
8/12/2019 Karma Questions
19/76
2+-%,%/1K.B9#&/#,,./,-&+:-(&K.BB-#BB1(+Q,+&D.D%BO+.,'(-"%/
,.'AB#&+B#,()-"+'0MS(+"%D#-(0#%B#&--(-"#?%A,/(-:(D#-"#&+B#,M
S(+/##9-(B#%&/-(+,#1(+&A(K#&,()(0,#&D%-.(/Q.'%?./%-.(/Q%/9./?#/+.-1
-(
9.?
(+-
+/,3.BB)+B
"%0.-,
%/9
9#D#B(A
/#K
"%0.-,
-(
).BB
./
-"#
?%A,M
!"%-
K%1
1(+:%/B.D#:(')(&-%0B1./-"#K.B9#&/#,,Q,A#:-)+B()-"#0#%&,%/9'((,#
%/9(-"#&9%/?#&,%&(+/91(+K.-"(+-0#./?(D#&K"#B'#901-"#'M
!"#,%'#"(B9,-&+#K.-"-"#2+99"%
-
8/12/2019 Karma Questions
20/76
-#&'?(%B,M[(/).9#/-./.-,(K/A(K#&,()(0,#&D%-.(/Q-".,J8N%B,("%,-"#
"+'.B.-1/##9#9-(B#%&/)&('-"##WA#&.#/:#%/9%9D.:#()(-"#&,M
!"#,#-K(,+B-,Y,#/,.-.D.-1-(-"##))#:-,()1(+&(K/%:-.(/,%/9%
:('A#-#/-
,#/,#
()
,#B)Y#/%0B#
1(+
-(
,#--B#
./-(
%
B#D#B
()
'#/-%B
:(/:#/-&%-.(/
-"%-
-
8/12/2019 Karma Questions
21/76
,3.BB)+BUNF/91(++/9#&,-%/9K"1-"#2+99"%:(''#/9,A+--./?-"#
O+#,-.(/()JH"(%'8UN%,.9#M!(0#?./K.-"Q.-K(+B9/
-
8/12/2019 Karma Questions
22/76
R1)),%3C1%3R)#1
F/%/-"&(A(B(?.,-
(/:#
O+#,-.(/#9
%/
FB%,3%/
,"%'%/
%0(+-
".,
-&.0#
-
8/12/2019 Karma Questions
23/76
K#)##BK#:%/?#-%K%1K.-"-"#'M!"+,-"#B%,--"##B#'#/-,())#%&Y-"#
A#&:#A-.(/()K#%3/#,,Q-"#A#&:#A-.(/()9%/?#&Q%/9-"#9#,.-(#,:%A#.-Y
%/##9#9-(%D(.9-"##D.B,:('./?)&(':('AB%:#/:1M8),-&.AA#9():(/)+,.(/
%/9
%D#&,.(/Q
-"#,#
-"#
#B#'#/-,
0#:('#
%
A(,.-.D#
O+%B.-1Q
"##9)+B/#,,Y,('#-"./?,(#,,#/-.%B-(-"#A&%:-.:#-"%--"#2+99"%9#D(-#9".,B%,-K(&9,-(
.-M!"#9%/?#&,()B.)#%%BM@+&K#%3/#,,#,%%BM8)K#9(/
-
8/12/2019 Karma Questions
24/76
,#:+&.-1Q0+-K#%B-":%-#,%".?"A&().B#-"%-#W:.-#,V#%B(+,1./(-"#&,MH#
0+.B9K%BB,-(3##A(+-9%/?#&(+,A#(AB#Q0+--"(,#K%BB,0#:('#(+&A&.,(/,M
H#,-(:3A.B#K#%A(/,Q0+--"#1:%/#%,.B10#-+&/#9%?%./,-+,M
!"#
'(,-
+/,3.BB)+B
,A(/,#
-(
)#%&
.,
K"#/Q
A#&:#.D./?
9%/?#&,
-(
(+&
(K/
B.)#(&A&(A#&-1QK#0#B.#D#-"%-K#:%/?%./,-/?-"%/9,#:+&.-1019#,-&(1./?
-"#B.D#,%/9A&(A#&-1()(-"#&,M!"#9#B+,.(/A#&D%9./?(+&)#%&'%3#,+,B(,#
A#&,A#:-.D#M8)(-"#&A#(AB#K#-(%:-./-".,K%1QK#K(+B93/(K-"#1K#
K&(/?M2+-,('#"(KQK"#/K#)##B-"%-#/#9Q(+&,-%/9%&9,:"%/?#Q(+&
A#&,A#:-.D#K%&A,Q,(-"%-K&(/?,##',&.?"-%,B(/?%,O)D1)-"#(/#,9(./?.-M
!".,.,A&(0%0B1-"#'(,-9.,:(/:#&-./?"+'%/K#%3/#,,()%BBR(+&./%0.B.-1
-(-&+,-(+&,#BD#,-(9(-"#&.?"--"./?K"#/-"#:".A,%(K/M8),-%/9%&9,()
&.?"-%/9K&(/?%'#%/./?)+B(/B1K"#/K#)./9-"#':(/D#/.#/-Q-"#1"%D#
/(%B'#%/./?%-%BBM
C(&-+/%-#B1Q-"(+?"Q
-"#
%%
()
B.)#
A(,./?
-"#
'(,-
9%/?#&
%/9
./,#:+&.-1
.,
-"#%%K"#Q-"&(+?"-&%././?QK#:%/'%3#-"#'(,-:"%/?#,%/9#W#&:.,#-"#
'(,-:(/-&(BMFB-"(+?"%?./?Q.BB/#,,Q%/99#%-")(BB(K./#D.-%0B1(/0.&-"Q
9#B+,.(/9(#,/
-
8/12/2019 Karma Questions
25/76
,-.:3-('(&%BA&./:.AB#,./-"#)%:#()9%/?#&QN%/9.-%--%:3,-".,9#B+,.(/./
-"#K%1,M
C.&,-Q.-./,.,-,(/K"%-'.?"-0#:%BB#9-"#J0(('#&%/?N(&J,A.--./?./-(-"#
K./9N
A&./:.AB#
()
3%&'.:
:%+,#
%/9
#))#:-M
8)
1(+
%:-
(/
"%&')+B
./-#/-.(/,Q
?%&9B#,,()-"#,.-+%-.(/Q-"#"%&'K.BB:('#0%:3-(1(+MPD#/.)+/,3.BB)+B
%:-.(/,,+:"%,3.BB./?Q,-#%B./?Q(&B1./?'.?"-0&./?,"(&--#&'%9D%/-%?#,Q
-"#,#%'(-"%/()),#-01-"#B(/?-#&'"%&'-(K".:"-"#1B#%D#1(+
#WA(,#9M
[(/D#&,#B1Q-".,,%'#A&./:.AB#:%/'%3#1(+0&%D#./9(./??((9M8)1(+
-
8/12/2019 Karma Questions
26/76
>('#A#(AB#"%D#%&?+#9-"%-Q0#:%+,#-"#2+99"%:(?/.b#9-"#A&./:.AB#
():(/9.-.(/%B.-1Q"#K(+B9"%D#/(A&(0B#'K.-"-"#.9#%-"%-(+&D.&-+#,
,"(+B99#A#/9(/:(/9.-.(/,%,K#BBM!".,.,%'.,+/9#&,-%/9./?()-"#A&./:.AB#M
!(
0#?./
K.-"Q
:(/9.-.(/%B.-1
9(#,/
-
8/12/2019 Karma Questions
27/76
%,-.BB:#/-#&()K#BB0#./?QA+-,+,./%,(B.9A(,.-.(/K"#K#9(/
-
8/12/2019 Karma Questions
28/76
)(,-Q-(-"#)((-()%-#Q(&-(%/#'A-19K#BB./?Q89K#BBK.-"(+-)#%&Q
+/%?.-%-#9Q:(/).9#/-Q%/9+/%)&%.9Y+/:(/:#&/#9Q+/&+))B#9Q'1K%/-,
,%-.,).#9QK.-"'1'./9B.3#%K.B99##&M!".,.,-"#'#%/./?8"%D#./'./9-"%-
8
A#%-#9B1
#W:B%.'Q
eH"%-
0B.,,m
H"%-
0B.,,m
-
8/12/2019 Karma Questions
29/76
E#3"#1#
>%',%&%B.-#&%BB1
'#%/,
JK%/9#&./?
(/MN
G%/1
A#(AB#
-"./3
()
.-
%,
-"#
2+99".,-/%'#)(&-"#AB%:#K"#K#:+&/-B1B.D#Y-"#AB%:#K#B#%D#K"#/
K#?(-(/.00%/%M2+-./-"##%&B12+99".,--#W-,Q.-
-
8/12/2019 Karma Questions
30/76
-
8/12/2019 Karma Questions
31/76
E#3"#1#H-@-,),A$S)1%
!"#?(%B
()
2+99".,-
A&%:-.:#Q
/.00%/%Q
.,
,%.9
-(
0#
-(-%BB1
+/:%+,#9Q
%/9
&.?"--"#.,%A%&%9(WM8)-"#?(%B.,+/:%+,#9Q"(K:%/%A%-"()A&%:-.:#Y
K".:".,:%+,%B01/%-+Y0&./?.-%0(+-U!".,.,%/%/:.#/-O+#,-.(/M!"#
-
8/12/2019 Karma Questions
32/76
,1,-#'-"#%A(./-,"#:%BB#9,(/%/:#,M8)-"#)(&:#,?(D#&/./?-"#,1,-#'
%#,:&.0#9%,'%-"#'%-.:%B#O+%-.(/,Q-"#,(/%/:#,%-"#A(./-,K"#-"#
#O+%-.(/,./-#&,#:-./,+:"%K%1-"%-(/#()-"#'#'0#&,.,9.D.9#901b#&(M
!".,Q
()
:(+&,#Q
A&(9+:#,
%/
+/9#)./#9
,+B-Q
K".:"
'#%/,
-"%-
.)
%/
(0V#:-
K.-"./-"#,1,-#',-&%1#9./-(%,(/%/:#A(./-Q.-K(+B9/(B(/?#&0#9#)./#9
01-"#:%+,%B/#-K(&39#-#&'././?-"#,1,-#'M8-K(+B90#,#-)#M
8/%:-+%BA&%:-.:#Q.--.BBQ.-9(#,/
-
8/12/2019 Karma Questions
33/76
7()T;)&,#"%C
-
8/12/2019 Karma Questions
34/76
!"#-%,3"#.,-K()(B9R,-%1./?)(:+,#9(/1(+&)&%'#())#/:#Q%/9
A+--./?%,.9#%/1?#9%/99.,-,,-"%-K(+B9,+B-)&(',".)-./?1(+&)&%'#
())#/:#0%:3-(-"#K(&B9M!".,.,-"#'#%/./?()J-"#0(91./%/9().-,#B)MN
8/
(-"#&
K(&9,Q
1(+
-&1
-(
,-%1
K.-"
-"#
#WA#&.#/:#
()
-"#
0(91
%,
.--.BBQ-"(+?"Q1(+"%D#%/%?#/9%Q0%,#9(/-"#9#,.)(&FK%3#/./?Y%
9#,.-"%-
-"#
2+99"%
:B%,,#9Q
/(-
%,
%:%+,#
()
,+))#&./?Q
0+-
%,
A%&-
()
-"#
A%-"
B#%9./?-(.-,#/9M!".,0#:('#,:B#%,-./-"#,%-.A%--"%/%)(:+,#9(/'#/-%B
O+%B.-.#,./%/9()-"#',#BD#,MS(+%:O+%./-1(+&,#B)K.-"-"#+/,3.BB)+BO+%B.-.#,
-"%-(0,-&+:-:(/:#/-&%-.(/Y,+:"%,,#/,+%B9#,.Q.BBK.BBQ%/9,-B#,,/#,,Y/(-
,.'AB1-(#WA#&.#/:#-"#'Q0+-%B,(-(+/9#&,-%/9-"#',(-"%-1(+:%/:+--"#'
%K%1M>.'.B%&B1Q1(+%:O+%./-1(+&,#B)K.-"-"#,3.BB)+BO+%B.-.#,-"%-)(,-#&
9.,:#&/'#/-,(-"%-1(+:%/9#D#B(A-"#'%BB-"#K%1-(B#%,#M
!"#-#W-,:%BB-"#,#,3.BB)+BO+%B.-.#,-"#,#D#/)%:-(&,()FK%3#/./?%/9,"(K
-"%-,%-.A%--"%/%A&%:-.:#.,%.'#9%-9#D#B(A./?-"#'%BB./(&9#&M!"#).&,-
-
8/12/2019 Karma Questions
35/76
)%:-(&.,'./9)+B/#,,M!"#,#:(/9.,:%BB#9J%/%B1,.,()O+%B.-.#,NR-"#%0.B.-1-(
9.,-./?+.,",3.BB)+B)&('+/,3.BB)+BO+%B.-.#,./-"#'./9Q,##./?K"%-:%/0#
%::#A-#9%/9K"%-/##9,-(0#:"%/?#9M!"#-".&9)%:-(&.,A#&,.,-#/:#Y
A#&,.,-#/:#
./
%0%/9(/./?
+/,3.BB)+B
O+%B.-.#,
%/9
)(,-#&./?
,3.BB)+B
(/#,
./
-"#.&
AB%:#M!"#-#W-,9#,:&.0#%K.9#D%&.#-1()'#-"(9,-(+,#./-".,#/9#%D(&Q0+-
-"#1%BB:('#9(K/-(-K(,(&-,M8/,('#:%,#,Q%/+/,3.BB)+BO+%B.-1K.BB
9.,%AA#%&,.'AB1K"#/1(+K%-:".-,-#%9.B1M8/(-"#&:%,#,Q1(+"%D#-('%3#%
:(/:#&-#9#))(&-Q%:-.D#B19(./?K"%-1(+:%/-(:(+/-#&%:-%/+/,3.BB)+BO+%B.-1
%/9AB%:#.-K.-"%'(,3.BB)+B(/#M
F,,3.BB)+BO+%B.-.#,-%3#:"%&?#K.-"./1(+Q1(+,##-"%-K".B#,3.BB)+B
-"./3./?B#%9,-(/("%&')+B%:-.(/,QB(/?0(+-,() .-:%/-.-"#'./9M>(1(+
0&./?1(+&-"(+?"-,-(,-.BB/#,,QK".:"9#D#B(A,-"#'(()-"#)%:-(&,()
FK%3#/./?R&%A-+Q,#/.-1Q%/9:(/:#/-&%-.(/M!"#,#A&(D.9#-"#'./9K.-"%
)(+/9%-.(/()
K#BB
0#./?M
!"#)./%B)%:-(&.,#O+%/.'.-1Q%/9.-,AB%:#./-"#B.,-.,,.?/.).:%/-M8-,/(/
%:-.D.-1.,)+BB1%AA&(A&.%-#(/B1K"#/-"#'(%:-.D#)%:-(&,"%D#9(/#K"%-
-"#1:%/M!".,.,-&+#()%BB-"#B.,-,./K".:"#O+%/.'.-1.,./:B+9#9M8-
-
8/12/2019 Karma Questions
36/76
H)F)12)F'-%&
G#9.-%-.(/-#%:"#,1(+-"#A(K#&()1(+&A#&:#A-.(/,MS(+:('#-(,##"(K
-"#B%0#B,1(+%AAB1-(-"./?,Q-"#.'%?#,K.-"K".:"1(+D.,+%B.b#-"./?,Q"%D#
%"+?#./)B+#/:#(D#&K"%-1(+,##Q"(K-"#1:%/K#.?"1(+9(K/K.-"
,+))#&./?%/9,-,,MF,-"#'#9.-%-.(/9#D#B(A,Q-"(+?"Q.-?.D#,1(+-"#-((B,
1(+/##9-(?%./)#9(')&('-"%-./)B+#/:#M
8/-"#0#?.//./?QK"#/1(+).&,-/(-.:#-"#A(K#&()A#&:#A-.(/Q1(+:%/
#%,.B1)##B(D#&K"#B'#901"(KA#&D%,.D#.-.,M>+AA(,#1(+
-
8/12/2019 Karma Questions
37/76
!"#A%&-.:+B%&-%,3,-"%--#%:"1(+-"#,#B#,,(/,0#?./K.-"-"#-%,3()-&1./?
-(?#--"#'./9-(,-%1:(')(&-%0B1)(:+,#9)(&B(/?A#&.(9,()-.'#(/-"#
0%-"Y%/9&.?"--"#(+&+/./-(-K((A#&%-.D#%,,+'A-.(/,RH"%-9(#,.-
'#%/
-(
0%-"#U
H"%-
9(#,
.-
'#%/
-(
0#
)(:+,#9U
8-((/:#1(+:%-:"1(+&,#B)0%-"./?+/:(')(&-%0B1./B./#K.-"%A%&-.:+B%&
%,,+'A-.(/Q-+&/.-%&(+/9-(,##K"%-,#/,%-.(/,-"#/#K%,,+'A-.(/
".?"B.?"-,M!&1,-%1./?K.-"-"(,#,#/,%-.(/,%,B(/?%,1(+:%/Q-(-#,--"#'M8)Q
:('A%-(1(+%&B.#&,#/,%-.(/,%,,(:.%-#9K.-"-"#0%-"Q-"#1
-
8/12/2019 Karma Questions
38/76
@&,-%&-O+#,-.(/./?-"#/##9-(A+,"%/9A+BB%-%BBM6(1(+)##B-"%-1(+&
.''#9.%-##WA#&.#/:#()-"#0(91.,()-"#,(B.9A%&-,Q%/9-"%--"#1"%D#-(
'%/%?#-"#'#:"%/.:,()0%-"./?QK".:".,,#:(/9%&1UH"%-"%AA#/,.)1(+
:(/:#.D#
1(+&
.''#9.%-#
#WA#&.#/:#
()
-"#
0(91
./
%
9.))#/-
K%1Q
%,
%
).#B9
()
A&.'%&10%-"#/#&?1QK.-"-"#,(B.9.-1,.'AB1%B%0#B%--%:"#9-(:#&-%./
%,A#:-,()-"#0%-"UH"%-#D#&1(+#WA#&.#/:#%,%A&.'%&10(91,#/,%-.(/Q
-"./3().-%,%B%910%-"QK.-"(+-1(+&"%D./?-(9(%/1-"./?'(-(.-MX(K
9(#,-"%-%))#:--"#B#D#B(),-,,%/9,-&%././-"#0%-"./?U
F/9K"%-%0(+--"#%:-(),-%1./?)(:+,#9UX(K9(1(+:(/:#.D#-"%-U8,.-
0#"./9-"#0%-"U>+&&(+/9#9010%-"U!(K"%-#W-#/-9(#,1(+&'#/-%B
A.:-+())(:+,./?"#BA(&"./9#&-"##%,#%/9,(B.9.-1()1(+&:(/:#/-&%-.(/U
C(&./,-%/:#Q1(+'%1)./9-"%-1(+-"./3()-"#'./9%,0#./?./(/#A%&-()-"#
0(91%/9/(-./(-"#&,MH"%-9(1(+9(K"#/1(+)(:+,%--#/-.(/(/%/(-"#&
A%&-U6(#,
-"#
'./9
B#%D#
.-,
"('#
0%,#Y,%1Q
./
-"#
"#%9Y-(
?(
-"#Q
(&
9(#,
-"#(-"#&A%&-"%D#-(0#0&(+?"-./-(-"#"#%9UH"%-3./9()-#/,.(/9(#,-".,
:%-#UH"%-"%AA#/,.)1(+-"./3()%K%/#,,%B%910#./?./-"%-(-"#&A%&-U
H"%-"%AA#/,K"#/1(+-+&/-"./?,%&(+/9#/-.B1R./,-#%9()-"#'./9
-
8/12/2019 Karma Questions
39/76
F--"#,%'#-.'#Q-"#1)(,-#&9.,:#&/'#/-M!"#2+99"%(/:#,%.9-"%--"#-#,-
)(&%A#&,(/
-
8/12/2019 Karma Questions
40/76
-
8/12/2019 Karma Questions
41/76
7()U)-;('%C+K%-FBB(&9./%&1
#WA#&.#/:#.,:('A(+/9#9MPD#/,+:"%,.'AB#%:-%,B((3./?%-%)B(K#&.,
:('A(+/9#9Q./-"%-.-9#A#/9,(/-"#A"1,.:%B:(/9.-.(/,,+AA(&-./?-"#
)B(K#&
-
8/12/2019 Karma Questions
42/76
AB#%,+.-A&(D.9#,Q)(&.-B.#,(/%)&%?.B#-#/,.(/%'(/?-"#:('0./#9)%:-(&,
'%3./?+A-"##WA#&.#/:#M
!"+,.)K#K%/--(?(0#1(/9,-,,K#+K%-
-
8/12/2019 Karma Questions
43/76
!".,,#:(/9'#%/./?)(&+A%9%/%%AAB.#,-(-"#'./9%,K#BBMH"#/-"#'./9
:B./?,-(%/(0V#:-Q.-
-
8/12/2019 Karma Questions
44/76
0#:('#,(AA,,.D#%?%./QK#'%1V+'A%--"#.9#%-"%-K#"%D#/(,#B)Q0+-
-"#/'(#'0#:('#,(AA,,.D#M
>((+&'./9,V+'A)&(':B./?./?-(:B./?./?B.3#%0.&9-&%AA#9./%:%?#M
H"#/
K#
%B.b#
K#(K#,-%&--"#A%-"-(-"##/9(),+))#&./?Q/(-01-&1./?-(9&(A(+&
:B./?./?,.''#9.%-#B1Q0+-01B#%&/./?-(:B./?'(,-&%-#?.:%BB1M8/-#&',()-"#
)##9./?%/%B(?1QK#9(/
-
8/12/2019 Karma Questions
45/76
O)O(%(#@)&%'(-&;>
U)O-88C)),%&1#F'+1)
8-?)'()I#,-#&';%,">
F,)(&9.,:#&/'#/-RH"#/-"#'./9.,,-/?-"#/#9K.-"-"#)((9()?((9
:(/:#/-&%-.(/Q.-:%/0#?./:(/-#'AB%-./?-"#9&%K0%:3,()"%D./?-()##9M!".,
.,-"#A%&-()-"#2+99"%
-
8/12/2019 Karma Questions
46/76
@):(+&,#Q,('#A#(AB#(0V#:--(-"#.9#%():(/-#'AB%-./?-"#9+33"%
./"#/-./-"#'./9
-
8/12/2019 Karma Questions
47/76
R-@).-8)"%C*1-2?"
7()W(#&,(#"
#"
*+1,)&
J
.#'(
!"#2+99"%
-
8/12/2019 Karma Questions
48/76
N!"#-".&93#1-#%:"./?.,?.D#/01-"#2+99"%./:(/-#W-,K"#/"#.,%,3#9
%0(+-./9.D.9+%B.9#/-.-1RK"#/A#(AB#K%/--(3/(KeK"%-%'8U
-
8/12/2019 Karma Questions
49/76
!"#).D#3"%/9"%,%+/9B#,(&A.B#,())(&'Q)##B./?QA#&:#A-.(/Q
)%0&.:%-.(/,Q%/9:(/,:.(+,/#,,Mh(/#()-"#-#W-,#WAB%./K"1-"#2+99"%+,#9
-"#K(&93"%/9"%-(9#,:&.0#-"#,#-"./?,M!"#'#%/./?()J-#-&+/3N'%10#
B#D%/-
-(
-"#
A#&D%,.D#
).
.'%?#&1
./
-"#
:%/(/Y/.00%/%
0#./?
#W-./?+.,"./?
()-"#).,()A%,,.(/Q%D#&,.(/Q%/99#B+,.(/Y0+-/(/#()-"#-#W-,#WAB.:.-B1
'%3#-".,:(//#:-.(/M!"#:(''(/%/9#WAB.:.-.'%?#.,()-"#3"%/9"%,%,
0+&9#/,('#MH#:%/-"./3()-"#'%,A.B#,()0&.:3,K#:%&&1(/(+&,"(+B9#&,M
X(K#D#&Q-"#,#A.B#,%#,-+/9#&,-((9Q/(-%,(0V#:-,Q0+-%,%:-.D.-.#,Q)(&%/
.'A(&-%/-A%,,%?#9#)./#,-"#'./-#&',()-"#.&)+/:-.(/,MC(&'YK".:":(D#&,
A"1,.:%BA"#/('#/%()%BB,(&-,Q0(-"K.-"./%/9K.-"(+--"#0(91YK#%&,9(K/
(&J9#)(&',MNC##B./?)##B,AB#%,+QA%./Q%/9/#.-"#&AB#%,+/(&A%./M
I#&:#A-.(/B%0#B,(&.9#/-.).#,(0V#:-,M[(/,:.(+,/#,,:(?/.b#,-"#,.W,#/,#,
4:(+/-./?-"#./-#BB#:-%,-"#,.W-"7%B(/?K.-"-"#.&(0V#:-,M@)-"#).D#3"%/9"%,Q
)%0&.:%-.(/.,
-"#
'(,-
:('AB#WM
I%,,%?#,
./
-"#
:%/(/
9#)./#
.-
%,
./-#/-.(/Q
0+-
.-./:B+9#,%K.9#D%&.#-1()%:-.D.-.#,Q,+:"%,%--#/-.(/Q#D%B+%-.(/Q%/9%BB-"#
%:-.D#A&(:#,,#,()-"#'./9M8-.,%B,(-"#'(,-)+/9%'#/-%B3"%/9"%Q)(&.-,
A&.'%&1%:-.D.-1.,-(-%3#-"#A(-#/-.%B)(&-"##WA#&.#/:#())(&'Q)##B./?Q#-:MY
:('./?)&('A%,-%:-.(/,Y%/9-+&/.-./-(-"#%:-+%B#WA#&.#/:#()-"(,#-"./?,
./-"#A,#/-'('#/-M
!"+,./-#/-.(/.,%/./-#?&%BA%&-()(+WA#&.#/:#()%BB-"#3"%/9"%,Y%/
.'A(&-%/-A(./-Q)(&-".,'#%/,-"%--"#.,%/#B#'#/-()./-#/-.(/./%BB
,+))#&./?M!".,(A#/,-"#A(,,.0.B.-1-"%-,+))#&./?:%/0##/9#901:"%/?./?(+&
./-#/-.(/,Y(&%0%/9(/./?
-"#'
#/-.B1YK".:"
.,
A:.,#B1
-"#
A(./-
()
-"#
2+99"%
-
8/12/2019 Karma Questions
50/76
!"#1+AA(,#-"%-%/%&:"#&(&%&:"#&.'.B%&B1
K.-"
-"#
(-"#&
B#D#B,
()
V"%/%MlN
!"#D%&.(+,K%1,())(,-#&./?9.,A%,,.(/%%B,(3"%/9"%,Q3"%/9"%,()
A#&:#A-.(/MF,-%/9%&9B.,-./:B+9#,-"#)(BB(K./?R-"#A#&:#A-.(/()./:(/,-%/:1Q
-"#A#&:#A-.(/()/(-,#B)Q-"#A#&:#A-.(/()+/%--&%:-.D#/#,,Q-"#A#&:#A-.(/()
9&%K0%:3,4-"#9.,#%,#,-(K".:"-"#0(91.,,+0V#:-7Q-"#A#&:#A-.(/()
%0%/9(/./?Q-"#A#&:#A-.(/()9.,-%,-#)(D#&1K(&B9Q-"#A#&:#A-.(/()-"#
+/9#,.&%0.B.-1()%BB)%0&.:%-.(/,M@/#()-"#'(,-.'A(&-%/-()-"#,#A#&:#A-.(/,
-
8/12/2019 Karma Questions
51/76
.,-"%-()/(-,#B)MH"#/-"#2+99"%).&,-./-&(9+:#9-"#:(/:#A-()/(-,#B)./".,
,#:(/9,#&'(/Q"#%B,(./-&(9+:#9%K%1(),-/?-"#/./?.-,.'A%:-K.-"%
,#&.#,()O+#,-.(/,0%,#9%&(+/9-"#3"%/9"%,M!%3./?#%:"3"%/9"%./-+&/Q"#
%,3#9R
J8,
.-
:(/,-%/-
(&
./:(/,-%/-UN
8/:(/,-%/-M
JF/9
.,
K"%-
.,
./:(/,-%/-
,-,,)+B(&AB#%,+&%0B#UN>-,,)+BMJF/9.,.-).--./?-(?%&9K"%-.,./:(/,-%/-Q
,-,,)+BQ,+0V#:--(:"%/?#%,Re!".,.,'./#M!".,.,'1,#B)M!".,.,K"%-8%'-.BBQ-"#.,
%B,(-"#A(,,.0.B.-1-"%-Q.)A&(A#&B1+,#9Q,+:"%A#&:#A-.(/3"%/9"%'.?"-%:-%,
%/%.9(/-"#A%-"M>(-"#9.,:(+&,#,A&(D.9#"./-,./-"#)(&'(),.'.B#,Q
)#&&./?-(-(-%B)#9('%,R
!"#+/)%,".(/#9Q-"##/9Q
-"##))B+#/-B#,,Q-"#-&+#Q-"#0#1(/9Q
-"#,+0-B#Q-"#D#&1"%&9-(,##Q
-
8/12/2019 Karma Questions
52/76
-"#%?#B#,,QA#&'%/#/:#Q-"#+/9#:%1./?Q
-"#)#%-+B#,,Q/(/#B%0(&%-.(/Q
A#%:#Q-"#9#%-"B#,,Q
-"#
#WO+.,.-#Q
0B.,,Q
,(B%:#Q
-"##W"%+,-.(/():&%D./?Q
-"#K(/9#&)+BQ-"#'%&D#B(+,Q
-"#,#:+Q,#:+&.-1Q
+/0./9./?Q
-"#+/%))B.:-#9Q-"#A%,,.(/B#,,Q-"#A+Q
B#%,#Q/(/%--%:"'#/-Q
-"#.,B%/9Q,"#B-#&Q"%&0(&Q)+?#Q
-"#+B-.'%-#M
@-"#&A%,,%?#,'#/-.(/%:(/,:.(+,/#,,./-".,)#9('YJK.-"(+-)#%-+
(&,+&)%:#QK.-"(+-#/9QB+'./(+,%BB%&(+/9NYB1./?(+-,.9#()-.'#%/9,A%:#Q
#WA#&.#/:#9K"#/-"#,.W,#/,#,A"#,,-(A)+/:-.(/./?M8/-".,.-9.))#&,)&('
-"#:(/,:.(+,/#,,3"%/9"%QK".:"9#A#/9,(/-"#,.W,#/,#,A"#,%/9:%/0#
9#,:&.0#9./,+:"-#&',%,/#%&(&)%&QA%,-QA,#/-Q(&)+-+M[(/,:.(+,/#,,
K.-"(+-)#%-+.,-"+,-"#%K%/#,,()FK%3#/./?MF/9-"#)#9('()-".,
%K%/#,,:%&&.#,(D#D#/K"#/-"#%K%3#/#9A#&,(/-+&/,-((&9./%&1
:(/,:.(+,/#,,MF,-"#2+99"%,%.9()".',#B)R
JC#9Q9.,,(:.%-#9Q
p
B#%,#9
)&('
)(&'Q
-"#
!%-"%?%-%
9K#BB,
K.-"
+/,-&.:-#9%K%/#,,MC#9Q9.,,(:.%-#9QpB#%,#9)&(')##B./?MMM
A#&:#A-.(/MMM)%0&.:%-.(/,MMM:(/,:.(+,/#,,MMM0.&-"MMM%?./?MMM9#%-"MMM
,+))#&./?p,-,,MMM9#).B#'#/-Q-"#!%-"%?%-%9K#BB,K.-"+/,-&.:-#9
%K%/#,,MN
!".,,"(K,%?%./-"#.'A(&-%/:#()0&./?./?-"#&.?"-O+#,-.(/,-(-"#
-#%:"./?,(/-"#3"%/9"%,M8)1(++,#-"#'-(9#)./#K"%-1(+%%,%A#&,(/Q
1(+-.#1(+&,#B)9(K/-(/(A+&A(,#M!"#O+#,-.(/,3##AA.B./?(/M2+-.)1(+
+,#-"#'-(A+-%/#/9-(,+))#&./?Q1(+&O+#,-.(/,)%BB%K%1%/91(+
-
8/12/2019 Karma Questions
53/76
.)1)&&-#80""+)"
I#//.%BA".B(,(A"#&,Y-"(,#K"(%,,#&--"##W.,-#/:#()%A#//.%B
A".B(,(A"1Y0%,#-"#.&-"./3./?(/-K(:B%.',M!"#).&,-.,%)%:-:B%.'R%BB-"#
?%-B.?.(+,-&%9.-.(/,()-"#K(&B9,"%%:(''(/:(()0#B.#),M!"#,#:(/9
.,%D%B+#:B%.'R-"#:(''(/%B.-1()-"#,#0#B.#),.,A&(()-"%--"#1%-&+#M
!"#.9#%(),+:"%A#//.%BA".B(,(A"1.,%--&%:-.D#M8-,+??#,-,%K%1()
%&&.D./?%-B.?.(+,-&+-",-"%-%+/.D#&,%B%/9(0V#:-.D#Q&%-"#&-"%/:+B-+&%BB1
:(/9.-.(/#9M8-())#&,%AB(-():(''(/?&(+/9K"#.))#/-B.?.(/,Q./,-#%9
()).?"-./?(D#&-"#.&9.))#/:#,Q:%/B.D#./"%&'(/1%/9A#%:#M8/)%:-Q,('#
A#//.%BA".B(,(A"#&,'%./-%./-"%--"#(0V#:-.D.-1()A#//.%BA".B(,(A"1
'%3#,.-
,(
,:.#/-.).:%BB1
,A#:-%0B#
-"%-
.-
:%/
A&(D.9#
-"#
)&%'#K(&3
01
K".:"
%BB"+'%/3/(KB#9?#Y,A.&.-+%B%/9,:.#/-.).:Y:%/0#0&(+?"--(?#-"#&./%/
(D#&%&:"./?-"#(&1-"%-%BB(-,-(#%:"0(91()3/(KB#9?#.-,A&(A#&)+/:-.(/%/9
AB%:#M
X(K#D#&Q-"#%A&(0B#',K.-"0(-"()-"#:B%.',(/K".:"A#//.%B
A".B(,(A"1.,0%,#9YA&(0B#',-"%-+/9#&'./#-"#D%B.9.-1()-"#A#//.%B
A".B(,(A"#&,
-
8/12/2019 Karma Questions
54/76
&%K9%-%(/B1)&('A(&-,()'1,-.:%B#WA#&.#/:#Q)(&-"#,#%:B(,#,--(-"#
-&+-",()9.:-#WA#&.#/:#M
!"#A&(0B#'"#.,-"%-'%/1%::(+/-,()9.:-B.?.(+,#WA#&.#/:#,9(/(-
,+AA(&-
-"#
-#/#-,
()
A#//.%B
A".B(,(A"1M
!"#
2+99"%
-
8/12/2019 Karma Questions
55/76
B#%9,-(%:-,()3./9/#,,%/9:('A%,,.(/RK"#/A#(AB#,#/,#-"#.,,#/-.%B
(/#/#,,Q-"#1%'(B.3#B1-(-%-(/#%/(-"#&K.-"-"#,%'#:%-"#1K(+B9
-%--"#',#BD#,M!"+,-"#?%-B.?.(+,-&%9.-.(/,'+,-Q019#)./.-.(/Q0#/(/
9+%B.,-.:M
2(-"-"#:(/:#A-+%B%/9-"##-".:%B%&?+'#/-,)(&/(/9+%B.,'Q"(K#D#&Q%
(A#/-(O+#,-.(/M[(/:#A-+%BB1Q-"#.,/(A&(()-"%-%/(/9+%BD.#K.,
/#:#,,%&.B1'(#/:('A%,,./?-"%-%9+%B(&AB+&%B.,-.:D.#KMFA#&,(/K"("%,
"%9%9.:-#WA#&.#/:#()9+%B.-1'%1"%D#-(+:"#9,('#-"./?-"%-B.#,(+-,.9#
-"#(/#/#,,:('A"#/9#901-"#/(/9+%B.,-M!"#I%B../-#&A-%-.(/()/.&D%/%
.,%/#W%'AB#R/.&D%/%B.#,(+-,.9#-"#(/#/#,,()V"%/%Q%/9#D#/-"#FBB/#,,()
-"#FBBY-"##/-.&%/?#()-"#,.W,#/,#,4./:B+9./?-"#'./97%/9-"#.&(0V#:-,M
F/9.-9(#,/(-./:B+9#-"#'M>#:(/9B1Q-"#%'%/1%%,()B.)#./K".:"
9.,-./:-.(/,%:B#%&B1,+A#&.(&-(%B%:3()9.,-./:-.(/,MH"#/1(+/##90&%./
,+&?#&1Q1(+
K%/-
%9(:-(&
K"(
.,
:B#%&
%0(+-
-"#
9.,-./:-.(/
0#-K##/
,3.BB)+B
%/9+/,3.BB)+B'#-"(9,MFA#&,(/K"(,##,9.,-./:-.(/,'%10#9#-#:-./?,+0-B#
9.))#/:#,-"%-%/(/9+%B.,-,.'AB1"%,/#:(/9B1Q-"#.,-"#A&(0B#'()-"#(9.:1Q-"##WAB%/%-.(/)(&-"#,(+&:#()#D.B
./%V+,-+/.D#&,#M8)%BB-"./?,:('#)&('(/#,(+&:#QK"#(#,#D.B:('#)&('U
@/#:(''(//(/9+%B.,-%/,K#&.,-"%-.-:('#,)&('.?/(&%/:#()(+,,#/-.%B
(/#/#,,Q0+-
-"%-
,.'AB1
9&.D#,
-"#
O+#,-.(/
0%:3
%/(-"#&
,-#AR
K"#
9(#,
.?/(&%/:#:('#)&('Q.)/(-)&('-"#@/#>(+&:#UX(K:%/-"#@/#>(+&:#0#
.?/(&%/-().-,#B)U8,.-./:('A#-#/-U8,.-AB%1./?%/./"+'%/#?%'#U
!".,.,,+#()-"#(9.:1"%,0##/%&?+#9A#%-#9B1(D#&-"#%?#,./#D#&1
-&%9.-.(/-"%-A(,.-,%,./?B#,(+&:#)(&-"#:(,'(,Q%/9-"#/(/9+%B.,-%/,K#&,
#D#/-+%BB1:('#9(K/-(-"#R#D.B.,#.-"#&.BB+,(&1(&/#:#,,%&1(&0(-"M2+-.)
1(+:%/,%1-"%-#D.B.,.BB+,(&1Q.-
-
8/12/2019 Karma Questions
56/76
%B#,,#&-&%9.-.(/,%/9,('%10#9.,:(+/-#9M!".,'#%/,-"%--"#A#//.%B
A".B(,(A"#&,
-
8/12/2019 Karma Questions
57/76
9.,:(D#&,A.&.-+%B-&+-",Q%/9-"#A&(A(,#%-&+-"-"%-+/K.--./?B1(A#/,-"#9((&
-(#D.B%:-.(/,-"%-K(+B9,+B-)&('%::#A-./?-"#.&:B%.',M
>(Q?.D#/-"#K#%3/#,,#,./-"#)%:-:B%.',%/9D%B+#:B%.',(/K".:"
A#//.%B
A".B(,(A"1
.,
0%,#9Q
9(#,
-"%-
'#%/
-"%-
-"#
O+#,-
)(&
(0V#:-.D#
,A.&.-+%B-&+-",.,9(('#9-()%.B+Uh(-/#:#,,%&.B1M8-,.'AB1'#%/,-"%--"#
A#//.%BA".B(,(A"#&,"%D#0##/%,3./?-"#K&(/?O+#,-.(/,%/9+,./?%)%+B-1
'#-"(9(B(?1-(%/,K#&-"#'MF'()&+.-)+BB./#()./O+.&1K(+B90#-()(:+,
(/-"#,A.&.-+%B.'AB.:%-.(/,()-"#O+#,-.(/&%.,#9%0(D#RX(K,"(+B9-"#
B%-.(/0#-K##/-&+-"%/9%:-.D.-10#,-0#+/9#&,-((9Q%/9"(K,"(+B9.-0#
%AAB.#9-(?%-#,-%9D%/-%?#U!".,O+#,-.(/B.#,%--"#0%,.,()-"#,:.#/-.).:
'#-"(9Q,(%/1,:.#/-.).:%::(+/-()B.?.(/K(+B9"%D#-(0#?./"#M!".,
,-+91:(+B9,-%&-01,#%&:"./?-"#B.?.(+,-&%9.-.(/,()-"#K(&B9Q/(-)(&-"#.&
)%:-,-%-#'#/-,Q0+-)(&-"#.&,-%-#'#/-,(/K"%-%:-.(/,%/##9#9-(D#&.)1
)%:-,M!"#,#
-&+-"g%:-.(/
:B%.',
:(+B9
-"#/
0#
:('A%
%/9
A+-
-(
-"#
-#,-M
F/9-".,.,%/%%K"#-"#I%B.:%/(/"%,%?%-9#%B-(,%1M8-,
9#,:&.A-.(/,()-"#2+99"%
-
8/12/2019 Karma Questions
58/76
XU()&$%+?&%OC%1$%+1")8@)"Y5
7()T+'()&'-2-'$%C'().#8-E+''#"
!"#!"#&%D%9%-&%9.-.(/Q9('./%/-./>&.;%/3%QG1%/'%&Q%/9!"%.B%/9Q
?%&9,-"#I%B.,+--%,%,-"#%+-"#/-.:%/9%+-"(&.-%-.D#:(&9()-"#2+99"%
-
8/12/2019 Karma Questions
59/76
J$%B%'%,Q9(/
-
8/12/2019 Karma Questions
60/76
O+%B.-.#,%,3.BB)+BT-"#,#O+%B.-.#,%B%'#B#,,T-"#,#O+%B.-.#,%A&%.,#9
01-"#K.,#T-"#,#O+%B.-.#,QK"#/%9(A-#9%/9:%&&.#9(+-QB#%9-(K#B)%
%/9-("%AA./#,,h;ZMqQ%R
%,,(:.%-.(/K.-"A#(AB#()./-#?&.-1Q
B.,-#/./?-(
-"#
-&+#
6"%''%Q
%AA&(A&.%-#%--#/-.(/Q%/9
A&%:-.:#./%::(&9%/:#K.-"-"#6"%''%M
I%,,%?#,)&('-"#,+--%,9#%B./?K.-"#%:"()-"#,#)%:-(&,"#BA,"(K"(K-"#
-K(,(+&:#,(),3.BBY-"#:(+/,#B()-"#K.,#%/9-"#B#,,(/,B#%&/#901
(0,#&D./?-"#,+B-,()1(+&(K/%:-.(/,Y:%/0#A&(A#&B10%B%/:#9%/9
./-#?&%-#9,(%,-(%,:#&-%./K"%--"#-&+#6"%''%.,MF/90#:%+,#B.,-#/./?-(
-"#-&+#6"%''%/(K./:B+9#,%9./?-"#-&+#6"%''%Q%3/(KB#9?#()-"#,#
-
8/12/2019 Karma Questions
61/76
)%:-(&,%/9-"#.&./-#&B%-.(/,".A,?.D#,?+.9%/:#./"(K-(%9-"#,+--%,M8/
A%&-.:+B%&Q-"#,#)%:-(&,,"(K"(K-"#,+--%,-"#',#BD#,,%1-"#1,"(+B90#%9Q
%/9K"%-(-"#&%:-.(/,A&(D.9#-"#,3.BB)+B:(/-#W-)(&?#--./?-"#'(,-0#/#).-
)&('
%9./?
-"#'M
F,1(+#WAB(-"##WAB%/%-.(/,()-"#,#)%:-(&,Q1(+)./9-"%--"#.&
A,#/-%-.(/%,%,"(&-B.,-.,9#:#A-.D#B1,.'AB#Q./%,'+:"%,#%:")%:-(&
:(/-%./,#B#'#/-,()-"#(-"#&)%:-(&,%,K#BBMC(&./,-%/:#Q%,,(:.%-./?K.-"
A#(AB#()./-#?&.-1.,()?%-"#BA./A&%:-.:./?-"#6"%''%Q0+-)(&%A#&,(/-(
:(?/.b#A#(AB#()?#/+./#./-#?&.-1O+.,-"%-"#(&,"#"%D#,('#A&.(&
#WA#&.#/:#./A&%:-.:./?-"#6"%''%M!"+,Q%B-"(+?"-"#)(&'()-"#B.,-
,+??#,-,%,.'AB#B./#%&A&(?,,.(/Q-"#./9.D.9+%B)%:-(&,()-"#B.,-%
./-#&B%-#9./:('AB#WK%1,MH"%--".,'#%/,./A&%:-.:#.,-"%--"#A&(:#,,()
%,:#&-%././?-"#6"%''%.,%:('AB#W(/#QO+.&./?,#/,.-.D.-1%/9
9.,:#&/'#/-./
0%B%/:./?
%/9
./-#?&%-./?
-"#
)%:-(&,
./
%/
%AA&(A&.%-#
K%1M
!""#$%&'%#()%'*+,#+-,#.%(',/0%'122#:%+,#-"#6"%''%:(/,.,-,A&.'%&.B1()O+%B.-.#,()-"#'./9Q%/1K&.--#/%::(+/-()-"#6"%''%.,(/B1%
A%B#,"%9(K()-"#%B-"./?M!"+,Q-(?%./%,#/,#()-"#6"%''%
-
8/12/2019 Karma Questions
62/76
0%,#9(/%D#&,.(/QO+%B.-.#,0%,#9(/9#B+,.(/ReF-"#./-".,D#/#&%0B#
(/#%/1,+:"O+%B.-.#,0%,#9(/?#9L%D#&,.(/L9#B+,.(/-"%-QK.-"".,
'./9(D#&:('#01-"#,#O+%B.-.#,Q"#'.?"-,%1QJ83/(KQNK".B#/(-
3/(K./?Q
(&
,%1Q
J8
,##QN
K".B#
/(-
,##./?T
(&
-"%-
"#
'.?"-
+&?#
%/(-"#&
-(
%:-./%K%1-"%-K%,)(&".,g"#&B(/?-#&'"%&'%/9A%./U
-
8/12/2019 Karma Questions
63/76
k]lJ8-hZ8M]%/9FhZ888M]#WAB%./-"#A+&A(,#)(&,A#:-"#R.-
-
8/12/2019 Karma Questions
64/76
X#,A#:-'#%/,Q./-"#K(&9,()>/88M\Q%B%:3(),-+00(&//#,,M@&Q./-"#
K(&9,()FhZ8M__QJ-"#A%-.#/:#-(:('AB1K.-"-"#-#%:"./?NR-"#K.BB./?/#,,
-(B.,-#/K.-"%/(A#/'./9%/9-(-%3#-"#-.'#%/9#))(&-/##9#9-(?.D#%/1
-#%:"./?,
-"%-
,##'
%,(/%0B#
%
,#&.(+,
-&1M
!"#%,(/%0.B.-1()-"#-#%:"./?:%/0#?%+?#901-"#:#/-&%BA&./:.AB#./
D.#K,()./-#?&.-1%,#WAB%./#9%0(D#./Gh``^M!"%-A&./:.AB#.,:(/D.:-.(/./
?#33#9-"##)).:%:1()"+'%/%:-.(/R-"%-A#(AB#%,A(/,.0B#)(&-"#.&%:-.(/,Q
-"%--"#.&./-#/-.(/,9#-#&'./#-"#O+%B.-1Y-"#,3.BB)+B/#,,(&+/,3.BB)+B/#,,Y()
-"#.&%:-.(/,Q-"%-%:-.(/,?.D#,+B-,Q%/9-"%--"#O+%B.-1()-"#%:-.(/
9#-#&'./#,-"#O+%B.-1()-"#,+B-MFA#&,(/K"(9(#,/
-
8/12/2019 Karma Questions
65/76
JF/9K"%-%-"#&((-,(),3.BB)+B-"./?,U;%:3()?#9.,%&((-(),3.BB)+B
-"./?,QB%:3()%D#&,.(/.,%&((-(),3.BB)+B-"./?,QB%:3()9#B+,.(/.,%&((-()
,3.BB)+B-"./?,M!"#,#%-#&'#9-"#&((-,(),3.BB)+B-"./?,MN
Gh\
J!"#,#-"#-"./?,"%D#0##/A&('+B?%-#901K.,#A#(AB#Q01A#(AB#K"(
%-&+B1?((9MH".:"-"#U5#/#&(,.-1MMM?(./?)(&-"k)&('-"#"('#B.)#lMMM
%/9,#&D.:#-((/#
-
8/12/2019 Karma Questions
66/76
S(+'%19#)./.-#B1"(B9Qe!".,.,-"#6"%''%Q-".,.,-"#Z./%1%Q-".,.,-"#
!#%:"#&
-
8/12/2019 Karma Questions
67/76
JX#%&./?-"#6"%''%Q(/#'#'0#&,.-Mc#'#'0#&./?.-Q(/#A#/#-&%-#,
-"#'#%/./?()-"(,#9"%''%,MI#/#-&%-./?-"#'#%/./?Q(/#:('#,-(%/
%?#'#/--"&(+?"A(/9#&./?-"(,#9"%''%,M!"##./?%/%?#'#/-
-"&(+?"
A(/9#&./?
-"(,#
9"%''%,Q
9#,.
%&.,#,M
H.-"
-"#
%&.,./?
()
9#,.Q
(/#0#:('#,K.BB./?MH.BB./?Q(/#:(/-#'AB%-#,4B.-ReK#.?",Q!".,.,:%BB#9%-".:3#-()D.#K,Q%K.B9#&/#,,()D.#K,Q%
:(/-(&-.(/()D.#K,Q%K&.-"./?()D.#K,Q%)#--#&()D.#K,M2(+/901%)#--#&()
D.#K,Q-"#+/./,-&+:-#9&+/()-"#'.BBA#&,(/.,/(-)#9)&('0.&-"Q%?./?Q
-
8/12/2019 Karma Questions
68/76
%/99#%-"Q)&(',(&&(KQB%'#/-%-.(/QA%./Q9.,-,,Q%/99#,A%.&MX#.,/(-
)#9Q8-#BB1(+Q)&(',-,,M
J!"#K#BB./,-&+:-#99.,:.AB#()-"#/(0B#(/#,MMM9.,:#&/,K"%-.9#%,%).-
)(&%--#/-.(/Q
%/9
K"%-
.9#%,
%
+/).-
)(&
%--#/-.(/
LM
X#
%--#/9,
%AA&(A&.%-#B1Q7(-"-""'1)"">>>7(-"-"'()%1-;-'-%&%C"'1)"">>>7(-"-"'()2)""#'-%&
%C"'1)"">>>7(-"-"'()O#$8)#,-&;'%'()2)""#'-%&%C"'1)"">F,"#%--#/9,
%AA&(A&.%-#B1./-".,K%1Q-"#)#--#&,%%0%/9(/#9./".'R,#B).9#/-.-1
D.#K,Q9(+0-Q%/9?&%,A./?%-A:#A-,%/9A&%:-.:#,MN
Gh]
>('#()-"#'(,-+,#B#,,:(/-&(D#&,.#,./-"#".,-(&1()2+99".,--"(+?"-
"%D#:('#)&('.?/(&./?-".,-#%:"./?(/K"%-.,%/9.,/(-%/%AA&(A&.%-#
(0V#:-)(&
%--#/-.(/M
2+99".,-,
"%D#
9#0%-#9
)&+.-B#,,B1
)(&
:#/-+&.#,Q
%/9
:(/-./+#-(9#0%-#-(9%1Q(/"(K-(9#)./#%A#&,(/
-
8/12/2019 Karma Questions
69/76
>hnn88M`]]
!"+,%AA&(A&.%-#%--#/-.(/#/-%.B,%K%1()B((3./?%--"#6"%''%/(-(/B1
%,.-.,A,#/-#9./%-#%:"./?Q0+-%B,(%,.-A,#/-,.-,#B)9.:-B1%,#WA#&.#/:#
-(-"#'./9M
80&$'%$,%(&$$#09&($,)%'*'*,6*&77&2@/:#1(+
-
8/12/2019 Karma Questions
70/76
3/(KB#9?#%0B#:('A%/.(/./-"#"(B1B.)#MX%D./?:(/)#,,#9.-MMM1(+,"(+B9
#W#&:.,#,-&%./-./-"#)+-+M2+-.)(/)B#:-.(/1(+3/(K-"%-.-9.9/(-
B#%9-(%))B.:-.(/MMM.-K%,%,3.BB)+B0(9.B1%:-.(/K.-""%AA1:(/,#O+#/:#,Q
"%AA1
,+B-,Q
-"#/
1(+
,"(+B9
,-%1
'#/-%BB1
),"#9
%/9
V(1)+BQ
-&%././?
9%1%/9/.?"-./,3.BB)+B'#/-%BO+%B.-.#,M
k>.'.B%&B1)(&D#&0%B%:-,%/9'#/-%B%:-,Q%B-"(+?"-"#)./%BA%&%?&%A"
:(/:#&/./?'#/-%B%:-,,%1,Rl
JX%D./?A#&)(&'#9%'#/-%B%:-Q1(+,"(+B9)B#:-(/.-MMMM8)Q(/)B#:-.(/Q
1(+3/(K-"%-.-B#9-(,#B)%))B.:-.(/Q-(-"#%))B.:-.(/()(-"#&,Q(&-(0(-"T.-
K%,%/+/,3.BB)+B'#/-%B%:-K.-"A%./)+B:(/,#O+#/:#,QA%./)+B,+B-,Q-"#/
1(+,"(+B9)##B9.,-,,#9Q%,"%'#9Q%/99.,?+,-#9K.-".-MC##B./?9.,-,,#9
MMM1(+,"(+B9#W#&:.,#,-&%./-./-"#)+-+M2+-.)(/)B#:-.(/1(+3/(K
-"%-.-
9.9
/(-
B#%9
-(
%))B.:-.(/
MMM
.-
K%,
%,3.BB)+B
'#/-%B
%:-.(/
K.-"
"%AA1
:(/,#O+#/:#,Q"%AA1,+B-,Q-"#/1(+,"(+B9,-%1'#/-%BB1),"#9%/9
V(1)+BQ-&%././?9%1%/9/.?"-./,3.BB)+B'#/-%BO+%B.-.#,MN
Ghi`
!"#A&(:#,,(),#B)#W%'./%-.(/:(''#/9#9./-".,A%,,%?#./:B+9#,-"#
A&./:.AB#,9.,:+,,#9+/9#&-"#).&,--"#)%:-(&,)(&,-%'#/-&1MS(+A%1
%AA&(A&.%-#%--#/-.(/-(1(+&(K/./-#/-.(/,%/9%:-.(/,Q%/9-(-"#.&,+B-,Q-(
,##K"#-"#&-"#1O+%B.)1%,,3.BB)+B(&+/,3.BB)+BM8)1(+/(-.:#-"%-%/1()1(+&
0(9.B1(&
D#&0%B
%:-.(/,
"%D#
B#9
-(
"%&')+B
,+B-,Q
1(+
%AA&(%:"
%A#&,(/
()
./-#?&.-1%/9B.,-#/-(".,g"#&%9D.:#M8/-".,K%11(+:('0./#-"#-K(A&./:.AB#,
-"%-8-.`i%/9`j:(''#/9%,-"#'(,-"#BA)+B./-#&/%B%/9#W-#&/%BA&./:.AB#,
)(&%K%3#/./?R%AA&(A&.%-#%--#/-.(/%/9)&.#/9,".AK.-"%9'.&%0B#A#(AB#M8-.,
/(:(./:.9#/:#-"%--"#,#%A:.,#B1-"#-K(A&./:.AB#,:(''#/9#9./-"#
9.,:(+&,#-(-"#$%B%'%,M
>#B)#W%'./%-.(/()-".,,(&-Q"(K#D#&Q,"%,1#-%/(-"#&)#%-+K.-"-"#
).&,-)%:-(&)(&,-%'#/-&1R-"#/##9)(&./-#?&.-1M=+,-%,1(+&./-#?&.-1.,%
AO+.,.-#)(&1(+&%0.B.-1-(9#-#:-./-#?&.-1./(-"#&,Q,(.-.,%AO+.,.-#)(&
1(+&
%0.B.-1
-(
?%+?#
-"#
-&+#
/%-+
()
1(+&
./-#/-.(/,
%/9
-"#
,+B-,
()
1(+&
%:-.(/,M!"#,#%:(''(/B1-"#-K(%%,()#WA#&.#/:#K"#A#(AB#%B#%,-
"(/#,-K.-"-"#',#BD#,MS#-Q)(&1(+&A&%:-.:#-(%::(&9K.-"-"#6"%''%Q1(+
'+,-,.,-%/1"%0.-+%B-#/9#/:1-(0#B#,,-"%/-(-%BB1,:&+A+B(+,%0(+--"#'M
!".,.,K"1Q%,%A)%:#-(-"#%0(D#%9D.:#Q-"#,+--%,"(K,-"#2+99"%
B#:-+&./?(/-"#.'A(&-%/:#()-&+-")+B/#,,%,-"#'(,-#,,#/-.%BO+%B.-1)(&%
A#&,(/(/-"#A%-"M
FB-"(+?"c%"+B%A(&-#9B1:#.D#9-"#%0(D#%9D.:#K"#/"#K%,%:".B9Q
Gh`\'%./-%./,-"%--"#A&./:.AB#,.-:(/-%./,:%/B#%9%BB-"#K%1-()+BB
-
8/12/2019 Karma Questions
71/76
FK%3#/./?M!".,'#%/,Q():(+&,#Q-"%--"#1:%/B#%9-(-"#).&,-B#D#B()
FK%3#/./?QK".:".,,-%'#/-&1M
>-%'#/-&1.,()-#/:%BB#9-"#%&.,./?()-"#6"%''%#1#MH"%-,-%'
#/-#&,
,##
K.-"
-".,
6"%''%
#1#
.,
%BK%1,
#WA,,#9
./
-"#
,%'#
-#&',R
JU(#')@)1-""+AL)2''%%1-;-'-%&-"#88"+AL)2''%2)""#'-%&>5FA%,,%?#./-"#Z./%1%
,"(K,-"%--"#:(/:#A-J%BB-"%-.,,+0V#:--((&.?./%-.(/N(::+&,./:(/V+/:-.(/
K.-"%?B.'A,#()K"%-,-%/9,./(AA(,.-.(/-(J%BB-"%-.,,+0V#:--(
(&.?./%-.(/NY./(-"#&K(&9,Q-"#f/)%0&.:%-#9R9#%-"B#,,/#,,M
k8''#9.%-#B1%)-#&%--%././?-"#>-%'l>%&.A+--%-"#H%/9#&K#/--(
K"#G(??%B%/%-"#H%/9#&K%,,-%1./?MG(??%B%/%-"#H%/9#&,%K
".':('./?)&('%)%&%/9Q(/,##./?".'M,%.9QJS(+&)%:+B-.#,%&.?"-Q'1
)&.#/9T1(+&:('AB#W.(/A+%/9:B#%&M[(+B9.-0#-"%-1(+"%D#%--%./#9
-"#6#%-"B#,,UN
JS#,Q'1)&.#/9Q8"%D#MMMMN
GD8M]dMq
!"#,+--%,9#,:&.0#-"##WA#&.#/:#()-"#6#%-"B#,,./(/B1-"#,3#-:".#,-
-#&',MH"%-B.--B#9#,:&.A-.(/-"#.,Q.,./-#/9#9-(,"(K-"%--"#6#%-"B#,,B.#,
0#1(/9'(,-B./?+.,-.::%-#?(&.#,MX(K#D#&Q-"#%%)#K./9.:%-(&,-(,"(K
K"%--"#6#%-"B#,,.,/(-M
!(
0#?./
K.-"Q
.-
:%//(-
0#
9#,:&.0#9
%,
%
,-%-#
()
#.-"#&
0#./?
/(&
/(/
0#./?M
G%"%$(--".-%RH.-"-"#'%./9#&B#,,,-(AA./?%/9)%9./?()-"#,.W,A"#,
():(/-%:-kD.,.(/Q"#%&./?Q,'#BBQ-%,-#Q-(+:"Q%/9./-#BB#:-.(/l.,.--"#:%,#
-"%--"#.,%/1-"./?#B,#U
>%&.A+--%R6(/
-
8/12/2019 Karma Questions
72/76
,%1-"%-Q'1)&.#/9%&.A+--%R>%1./?MMM.,.--"#:%,#-"%--"#.,%/1-"./?#B,#MMM.,.--"#:%,#-"%-
-"#.,
/(-
%/1-"./?
#B,#MMM.,
.-
-"#
:%,#
-"%-
-"#
0(-"
.,
%/9
.,
/(-
%/1-"./?
#B,#MMM.,.--"#:%,#-"%--"#/#.-"#&.,/(&.,/(-%/1-"./?#B,#Q(/#.,
:('AB.:%-./?/(/:('AB.:%-.(/MX(K#D#&)%&-"#,.W,A"#,():(/-%:-?(Q
-"%-.,"(K)%&:('AB.:%-.(/?(#,MX(K#D#&)%&:('AB.:%-.(/?(#,Q-"%-.,"(K
)%&-"#,.W,A"#,():(/-%:-?(MH.-"-"#'%./9#&B#,,)%9./?%/9,-(AA./?
()-"#,.W,A"#,():(/-%:-Q-"#:('#,-(0#-"#,-(AA./?Q-"#%BB%1./?()
:('AB.:%-.(/M
Fh8ZM`jd
>#:(/9Q-"#
9.'#/,.(/
()
-"#
6#%-"B#,,
.,
/(-
9#D(.9
()
%K%/#,,Q
%B-"(+?"
-"#%K%/#,,"#'+,-019#)./.-.(/B.#%A%&-)&('-"#:(/,:.(+,/#,,./:B+9#9
./-"#).D#%???%-#,())%0&.:%-#9#WA#&.#/:#M
JG(/3,Q-"%-9.'#/,.(/,"(+B90#3/(K/K"#-"##1#4D.,.(/7,-(A,%/9
-"#A#&:#A-.(/4'#/-%B/(-./?7())(&')%9#,M!"%-9.'#/,.(/,"(+B90#
3/(K/K"#-"##%&,-(A,%/9-"#A#&:#A-.(/(),(+/9)%9#,MMMK"#-"#
/(,#,-(A,%/9-"#A#&:#A-.(/()%&('%)%9#,MMMK"#-"#-(/?+#,-(A,%/9
-"#A#&:#A-.(/())B%D(&)%9#,MMMK"#-"#0(91,-(A,%/9-"#A#&:#A-.(/()
-%:-.B#
,#/,%-.(/
)%9#,
MMM
K"#
-"#
./-#BB#:-
,-(A,
%/9
-"#
A#&:#A-.(/
()
.9#%gA"#/('#/(/)%9#,R!"%-9.'#/,.(/,"(+B90#3/(K/MN
>hnnnZM``j
JX%D./?9.:-B13/(K/-"##W-#/-()9#,.?/%-.(/%/9-"##W-#/-()-"#
(0V#:-,()9#,.?/%-.(/Q-"##W-#/-()#WA,,.(/%/9-"##W-#/-()-"#(0V#:-,()
#WA,,.(/Q-"##W-#/-()9#,:&.A-.(/%/9-"##W-#/-()-"#(0V#:-,()
9#,:&.A-.(/Q-"##W-#/-()9.,:#&/'#/-%/9-"##W-#/-()-"#(0V#:-,()
9.,:#&/'#/-Q-"##W-#/--(K".:"-"#:1:B#D(BD#,RX%D./?9.:-B13/(K/
-"%-Q-"#'(/3.,B#%,#9Mk!(,%1-"%-QlZ7()3%&?1)8)#"),9(#@-&;,-1)2'8$
?&%O&'(#'9,%)"&%'"))9,%)"&%'?&%O.,".,(A./.(/Q
-
8/12/2019 Karma Questions
73/76
)%.&%/9)(+BQ
/%'#%/9)(&'
%%BB0&(+?"--(%/#/9M
H.-"
-"#
,-(AA./?
()k-"#%???%-#()l:(/,:.(+,/#,,Q
#%:".,"#&(+?"--(%/#/9M
6h``
J[(/,:.(+,/#,,K.-"(+-)#%-+QK.-"(+-#/9QB+'./(+,%BB%&(+/9Q9(#,/(-
A%&-%3#()-"#,(B.9.-1()#%&-"Q-"#B.O+.9.-1()K%-#&Q-"#&%9.%/:#()).Q-"#
K./9./#,,()K./9Q-"#9.D./.-1()9#D%,4%/9,((/-"&(+?"%B.,-()-"#
D%&.(+,B#D#B,()?(9"((9-(7-"#%BB/#,,()-"#FBB4.M#MQ-"#,.W,#/,#
,A"#,7MN
Gha\
JPD#/,(QZ%::"%Q%/1)(&'L)##B./?LA#&:#A-.(/L)%0&.:%-.(/L
:(/,:.(+,/#,,01K".:"(/#9#,:&.0./?-"#!%-"%?%-%K(+B99#,:&.0#".'R
!"%--"#!%-"%?%-%"%,%0%/9(/#9Q.-,&((-9#,-&(1#9QB.3#%/+A&((-#9A%B'
-#Q9#A&.D#9()-"#:(/9.-.(/,()#W.,-#/:#Q/(-9#,-./#9)(&)+-+%&.,./?M
C#9)&('-"#:B%,,.).:%-.(/())(&'L)##B./?LA#&:#A-.(/L)%0&.:%-.(/L
:(/,:.(+,/#,,QZ%::"%Q-"#!%-"%?%-%.,9##AQ0(+/9B#,,Q"%&9-()%-"('QB.3#
-"#,#%MN
Ghj]
JC#9Q9.,,(:.%-#9Q%/9B#%,#9)&('-#/-"./?,Q2%"+/%Q-"#!%-"%?%-%
9K#BB,K.-"+/,-&.:-#9%K%/#,,MH".:"-#/UC#9Q9.,,(:.%-#9Q%/9
B#%,#9)&(')(&'Q-"#!%-"%?%-%9K#BB,K.-"+/,-&.:-#9%K%/#,,MC#9Q
9.,,(:.%-#9Q%/9B#%,#9)&(')##B./?MMM)&('A#&:#A-.(/MMM)&(')%0&.:%-.(/,
MMM)&(':(/,:.(+,/#,,MMM)&('0.&-"MMM)&('%?./?MMM)&('9#%-"MMM)&(',-,,
MMMC#9Q9.,,(:.%-#9Q%/9B#%,#9)&('9#).B#'#/-Q-"#!%-"%?%-%9K#BB,K.-"
+/,-&.:-#9%K%/#,,M
J=+,-%,%Q0B+#Q(&K".-#B(-+,0(&/./-"#K%-#&%/9?&(K./?./-"#
K%-#&Q&.,#,+A%0(D#-"#K%-#&%/9,-%/9,K.-"/(K%-#&%9"#&./?-(.-Q./
-"#,%'#K%1-"#!%-"%?%-%Y)#9Q9.,,(:.%-#9Q%/9B#%,#9)&('-"#,#-#/
-"./?,Y9K#BB,K.-"+/,-&.:-#9%K%/#,,MN
FhnM_`
!"#,#%/(--"#K(&9,()%A#&,(/K"("%,)(+/9B#%,#./
+/:(/,:.(+,/#,,M
-
8/12/2019 Karma Questions
74/76
C./%BB1Q%B-"(+?"-"#6#%-"B#,,.,,('#-.'#,:%BB#9:(/,:.(+,/#,,K.-"(+-
)#%-+QK.-"(+-#/9Q.-.,/(--(0#:(/)+,#9K.-"-"#)(&'B#,,,-%?#()
:(/:#/-&%-.(/:%BB#9-"#9.'#/,.(/()-"#./)./.-+9#():(/,:.(+,/#,,M@/#()-"#
'%./
9.))#/:#,
0#-K##/
-"#
-K(
.,
-"%-
-"#
9.'#/,.(/
()
-"#
./)./.-+9#
()
:(/,:.(+,/#,,.,)%0&.:%-#9%/9K.BB#94,##Gh`a^7M!"##B#'#/-()K.BBQ-"(+?"Q
:%/0#D#&1%--#/+%-#9K".B#(/#.,./-"%-9.'#/,.(/Q%/9(/B19.,:#&/'#/-%-
%/#W-'#B1,+0-B#B#D#B:%/)#&-.-(+-M@/#K%1()-#,-./?)(&.-.,-(,##.)
-"#.,%/1,#/,#().9#/-.).:%-.(/K.-"-"#3/(K./?M8)-"#.,Q-"#/-"#.,,-.BB
-"#:(/:#.-()8'%3./?%/9'1'%3./?%AAB.#9-(-"%-,-%-#MF/(-"#&-#,-.,-(
,##.)-"#.,%/1,#/,#-"%--"#3/(K./?:(/-%./,%BB-"./?,(&.,-"#.&,(+&:#M8)
-"#.,Q-"#/-"#.,,-.BB)%0&.:%-.(/./-"%-,-%-#()'./9Q)(&K"#/-"#6#%-"B#,,
.,)+BB1:('A"#/9#9Q-"#,#/,#()+/,-&.:-#9%K%/#,,%,:(/-%././?(&
%:-./?%,-"#,(+&:#()(-"#&-"./?,.,,##/-(0#%/.?/(&%/-:(/:#.-M
J!"#.,-"#:%,#Q'(/3,QK"#%/+/./,-&+:-#9&+/()-"#'.BBA#&,(/L
A#&:#.D#,f/0./9./?%,f/0./9./?MI#&:#.D./?f/0./9./?%,f/0./9./?Q"#
:(/:#.D#,-"./?,%0(+-f/0./9./?Q"#:(/:#.D#,-"./?,./f/0./9./?Q"#
:(/:#.D#,-"./?,:('./?(+-()f/0./9./?Q"#:(/:#.D#,f/0./9./?%,e'./#Q
-
8/12/2019 Karma Questions
75/76
:(/:#/-&%-.(/MN!"#-"#)#--#&,%R,#B).9#/-.-1D.#K,Q9(+0-Q%/9?&%,A./?%-
A:#A-,%/9A&%:-.:#,M
!"#-K(B.,-,"%D#-"#.&:(''(/?&(+/9./-"##WA#&.#/:#()-"#A%-"-(
,-%'
#/-&1M
F,
-"#
A%-"Y-"#
/(0B#
#.?"-)(B9
A%-"Y1.#B9,
-(
-"#
)&+.-
()
,-%'#/-&1Q1(+,##-"%-%B-"(+?"(&9./%&1%:-.(/:%/B#%9-(AB#%,%/-Q
+/AB#%,%/-Q(&'.W#9,+B-,(/-"#B#D#B())%0&.:%-#9#WA#&.#/:#Q-"#/(0B#
#.?"-)(B9A%-".,%)(&'()%:-.(/-"%-A&(9+:#,/(/#()-"#,#,+B-,Q0+-./,-#%9
B#%9,-(-"##/9()%:-.(/4,##Fh8ZM]dj7M!".,#WA#&.#/:#:+-,-"&(+?"%/1
9(+0-%0(+--"#-&+-"()-"#2+99"%
-
8/12/2019 Karma Questions
76/76
"+/9-"Q%-"(+,%/9-"Q%(/#"+/9-"(+,%/9-"LK"#/:('A%K.-"
-"#?%-#%&-"MN
J8/-"#,%'#K%1Q'(/3,Q)(&%9.,:.AB#()-"#/(0B#(/#,K"(.,:(/,+''%-#
./D.#KQ
%/
./9.D.9+%B
K"(
"%,
0&(3#/
-"&(+?"
k-(
,-%'
#/-&1lQ
-"#
,+))#&./?%/9,-,,-(-%BB1#/9#9%/9#W-./?+.,"#9.,)%&?%-#&M!"%-K".:"
'%./,./-"#,-%-#()"%D./?%-'(,-,#D#/'%././?B.)#-.'#,.,/#W--(
/(-"./?R.--%'#/-&1
#W:#B,-"#'M
6"A`j_
!"#,#%%+9%:.(+,:B%.',Q%/9-"#1(0D.(+,B1O+.%/%AA&(%:"'(
%+9%:.(+,-"%/-"#".,-(&.:%B'#-"(9-(-#,--"#'MF,-"#,+--%,./9.:%-#Q/(-"./?
B#,,-"%/?#/+./#./-#?&.-1():"%&%:-#&Q9#D#B(A#9-"&(+?":%)+B-&%././?%/9
A&%:-.:#QK.BB,+)).:#M5.D#/-"%-J9"%''%N'#%/,0(-"-#%:"./?%/9O+%B.-1()
'./9Q.-,-%/9,-(%,(/-"%--&+-"():"%&%:-#&.,/##9#9-('#%,+-"#-&+-"()
-"#-#%:"./?M@/B1-&+#A#(AB#:%/3/(K-"#-&+-"()-"#,+--%,