The key to growth is understanding we are given the ability to make mid-course corrections in our life and having the courage to make necessary changes when what we are doing is not working for us. By conquering fear and taking risks, our karmic pattern adjusts to the effects of new choices. At the end of every life, rather than having a monster waiting to devour our souls, we serve as our most severe critic in front of teacher-guides. This is why karma is both just and merciful. With the help of our spiritual counselors and peers, we decide on the proper mode of justice for our conduct.