(Prārabdha): The part of our karma that bears fruit in the present life; the cause of our current destiny. It is the allotted portion of sanchita karma (the general karmic deposit) to be worked out in a given type of environment during a lifetime. It is the karma that is in­herited from past lives, but is meant to be dealt with in this lifetime and has begun to produce effects. Prarabdha karma is the “bank deposit” that we use in this life. Some of its aspects, especially those related to the physical body (for example, our genetic inheritance), cannot be altered. So, the wise attitude is to simply accept them as they are and to use them in the best way for spiritual transformation.