Ya know.. when I saw this message, I thought to myself, "Sheesh... what if
Keiichi were to one day wake up and Bell hands him a piece of parchment with
cryptical marks all over it. Only to find out that it's the 5 year interest
statement on his wish."

You know, an itemization of the various services performed by her for him,
as recorded by Yggdrasil, and at the bottom is a little balance sheet,
showing that all the craziness in his life is due to the karmic imbalance
that having her there for him causes and all the oddness is Yggdrasils way
of "balancing the books"

So Urd, Peorth, Skuld, his overbearing Sempais, are all a form of karmic
payback.

heh