including this post, mine is a 0.94
When my karma ratio first dipped under 1.0, I was incapacitated by grief and resentment. In fact, until recently, I've been living under my bed. My wife brings me a dog dish of food and water every morning before she goes to work. It's only now, after hundreds of hours of therapy via iPhone, that I can even talk about the subject. I can freely move about my bedroom now. I'm hoping that by end of the year, I might be able to try the den.
But don't feel pity for me. It's not all bad--I've been getting a lot of reading done.