Then Paiṅgala addressed Yājñavalkya thus: "To the wise, what is their karma? And what is their state?" To which Yājñavalkya replied: "A lover of moksha, having humility 1 and other possessions (or virtues), enables twenty-one generations to cross (to Āṭmā). One through his being a Brahmaviṭ 2 alone enables 101 generations to cross. Know Āṭmā to be the rider and the body as the chariot. Know also buḍḍhi as the charioteer and manas as the reins. The wise say the organs are the horses, the objects are the roads (through which the horses travel) and the hearts are the moving balloons. Mahāṛshis say that Āṭmā, when associated with the sense organs and manas, is the enjoyer. Therefore it is the actual Nārāyaṇa alone that is established in the heart. Till his prārabḍha karma 3 is worn out, he exists (in his body) as in the (cast-off) slough of a serpent (without any desire for the body). An emancipated person having such a body roves about like a moon gladdening all with no settled place of abode. He gives up his body whether in a sacred place, or in a chaṅdāla's (out-caste's) house (without any distinction whatever), and attains salvation. Such a body (when seen by a person) should be offered as a sacrifice to ḍik (the quarters) or should be buried (underground). It is only to Purusha (the wise) that sannyāsa (renunciation) is ordained and not to others. In case of the