"The gathering together of Souls into groups, forming families, castes, nations, races, introduces a new element of perplexity into karmic results, and it is here that room is found for what are called 'accidents', as well as for the adjustments continually being made by the Lords of Karma. It appears that while nothing can befall a man that is not 'in his Karma' as an individual, advantage may be taken of, say, a national or a seismic catastrophe to enable him to work off a piece of bad Karma which would not normally have fallen into the life-span through which he is passing. Ch XII Collective Karma"