Some personal insight into the harvest, and your graduation...

[zenmaster]

Then is it possible (or not too terribly difficult) to be 100% accepting of everything (even on an unconscious level), and 100% forgiving of everything and everyone? To have no karma at all (even unconscious related)? Or one must repeat 3D if any of these are not met?

It's not likely that someone could accept everything and be here incarnated.

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I've always been of the understanding that polarisation is simply the choice you make; positive or negative. One polarises in either direction.

Polarization is an expansion of awareness - the growth of consciousness. Regardless of service orientation, you are still learning the lessons of the logos which will polarize.

"The further an entity has, what you would call, polarized, the more easily this entity may change polarity, for the more power and awareness the entity will have."

It's the same consciousness and lessons of the logos, regardless of service orientation. That's why polarized STO and STS have the same power over each other.

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Zen, is that true about only our density harvest, that it's potential for consciousness? Ra mentions that very little work is done in consciousness in higher densities.

3rd density harvest is about making something from what the logos has provided as a template. You use the veil to individuate, transcending past the yellow-ray mindset. The level of awareness required is measure by percentage of service orientation.

4th density harvest is also about increasing polarity. That increase is about learning the lessons of 'love' and understanding. The level of awareness required is also measured by percentage of service orientation.

5th density harvest is "of those whose vibratory distortions consciously accept the honor/duty of the Law of One"

etc..

I see polarization simply as how much of Creator's light we can comfortably accept.

That's basically it.