Also now that I've decided to my part in the group project, have anyone reacched a consensus on what Gandalf is saying to her? My bet falls on this:

Never been a natural, always been a lurker, but I had this association chain that Karma is not an album and it never was, it has always been a record label. That's why it brings all her friend to the summit. That's how she will pay the check before it kisses the whatever.