(Sañcita Karma): Unresolved karma that has accumulated in former lives and has not yet taken effect. The cumulative effects of actions done in all of our past lives are “packed” into a concentrated residual of potentiality in our subtlest and innermost layer (the causal level). It is like we have a bank account with a big deposit that represents all our karmic possibilities. From the yogic perspective, not all karmic tendencies will manifest in this life. Referring to sanchita karma is like speaking about a general subconscious for all our potential future lives.