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Every person has a subtle body in addition to the tangible gross body. The subtle body may leave the gross body during dreams, OBE's, or near death experiences.

A ghost is a subtle body that cannot inhabit a gross body for some reason or other - like suicide in its previous life.

Above things aside, I've seen 2 ghosts in my life. One in Cape Town - an old man restlessly moving about this 200 year old Salvation Army building. The other, a rather scary-looking thing in Mumbai, India.

Don't care if people don't believe me.