Ellis.
"I think that it is possible to have reality without needing either--because to have either it is necessary to acknowledge the 'administrator' of such planning"

- I reject the idea that, in either case, it's necessary to have an 'administrator', or a 'planner', for the same reason that I reject the idea that the existence of the universe implies a creator.

"Does "karma" not have a whiff of divinity about it, or at least the supernatural"

It originated, as far as I know (which, isn't a lot) in the philosophy expounded in the Vedas of ancient India, possibly as long as 4500yrs ago. It has no apparent connection with divinities, but it's distinctly supernatural.

Just for the record, I agree that karma is ipr material.

"Time is what prevents everything from happening at once" - John Wheeler