Spirits, New Character Options

[Zolhex]

I started to flesh out a character today and ran into a question.

I am making a magical character and was woundering is it legal to use spell points like karma?

For foci and what not.

Next I thought that spirits required karma to be bound but I find nothing on this.

Next do conjurers get the spell points that come with being an aspected magician?

Lastly if you can use spell points as karma is it also useable as karma for the costs of putting together an ally spirit?

Please remember though I am looking to get clarification on the rules as they appear in the books. This has to be a by the book character.

Thanks in advance.