The karma system in the game is VERY different from the one in the original game. You have hit points and magic-points. Every damage or casted spell reduces these points. When you sleep in a bed, you restore all of both. To increases a value (attribute, skill or spell) you have to spend karma in worth of the old value. When you have body 3 and want it on 4 you have to spend 3 points.
here's a list of your characters possibilities
Attribute
Base value
Maximum value
body
3
20
magic
0
20
strength
3
6
charisma
3
6
Skill
min
max
firearms
1
16
computer
1
6
leadership
1 (skillsoft)
6
Spells
min
max
all
1
6