Then now we consider that when we live in every nation, we have to follow that nation's law. So now when we are in the universe, we must also follow our universal law. That law will protect us from degrading into a lower grade of existence. For example, when we are in a country, and we commit some crimes or transgress some law, we will be put in jail or have some kind of fine. No? (Audience: Yes.) Now if we live in this universe and we commit something that is not suitable to the law of the universe, then we also have to be put in some kind of other existence which is not very pleasurable for us. That is what we call karma, the law of retribution, "As you sow, so shall you reap."
(The Eternal Life And The Law of The Universe)