MashAllah BarakAllah, very nice to read your comments on the topic. You have share your belief in heaven and hell as a Muslim which was very good to read. You have mentioned that you observe people around you and see effects of karma which is very good and it means that you are eager to learn. We also call this karma "makafat e amal" where we have to pay according to our deeds. I wish you all the best for the contest. Keep up the good work dear.