Forgive my ignorance, but what are "the 20 questions"? I like the 5 karma idea, neat!
They were a questionnaire included (at the very least) in one 4E book (and I believe in books in earlier editions, not sure which ones).
They consist of:
1) What's your heritage?
2) What would your parents say about you?
3) What historical events does your character remember?
4) How did you get into shadowrunning, and why?
5) What is your living space like?
6) What are your beliefs / convictions (if any) and why do you hold them?
7) what do you think is your most annoying / worst trait?
8 ) What megacorp do you like the most? the Least? Why?
9) How did you come to know your contacts?
10) What do you do on a day off?
11) How did you come to learn your skills at your present proficiency?
12) Are there any moral limits on what jobs you take or things you'll do?
13) How do you view magic / technomantic abilities?
14) How do you view augmentation / implantation?
15) What do you think of ordinary life and those who live it?
16) What would be a bad nightmare for you? Any deep-rooted fears? Why is it so frightening to you?
17) What is your 'sacred object' or 'close one', and how did they become so important to you?
18) What did you want to become as a child, and what are your goals now?
19) What does your character look like, and what inspired her choices?
20) How did you get your street name?