Scum's random note on Karma: It is rumored that rarely (once per month or less) a character is born with the highest level of karma. I had never heard of this until I got a karma reading on one of my low leveled mage characters. I had never done any mentoring, or any other actions that would bring me good karma, but oddly enough I was Angel karma and able to get a Faerie light. After receiving my Faerie light my karma was lowered to Tiger level karma.
Also, many people don't know this but once you are Angel karma you must mentor once more and that is how you initiate the pop up asking if you would like to sacrifice your karma for a Faerie light.