5. Some are more intelligent some are less Some learn quickly while others struggle. Some have a strong memory while others don’t In spite of your hard work, you are not able to remember a lesson or a poem The reason is Gyanavarana Karma. This Karma keeps us away from learning and makes us ignorant Worship of Knowledge The absence of knowledge is deep darkness Increase your knowledge Respect your teachers Study silently and with attention Do not throw your books, and keep them in good condition Do not sit on your books

6. Diminishes the power of the eyes to see objects. Diminishes the power of the ears to hear sounds. Diminishes the power of the nose to smell fragrance. Diminishes the power of the tongue to taste eatables. Diminishes the power of the skin to feel the touch of objects. You are not able to see the other side of the wall. You are not able to see the other side of the hill. You are not able to see beyond the clouds. You are not able to see anything beyond the world. For all these Darshanavarana Karma is responsible. This karma prevents us from having a common sense approach towards our lives and surroundings. Worship of Faith Do not criticize temples Do not insult sadhus and sadhvis Be a humble follower of Jain religion

7. People cannot understand the supreme God. They cannot follow the true Guru. They cannot accept the true religion. On account of the influence of this Karma, men believe that the true is false and the false is true, the unreal IS real and the real is unreal On account of the influence of this Karma, someone gets angry. Someone becomes proud. Someone deceives another. Someone becomes greedy. This karma makes us forget what is right and what is wrong Worship of Virtues If somebody gets angry, you keep cool. If somebody is proud, you be humble. Be generous and kind. Do not make fun of others

8. You have plenty of money, food and clothes to give others. There are many in need of these. But you do not like to give anything to anybody, why? Though you do your best to earn money, and though you try hard to get food, make efforts to get a house, you do not succeed. Though you have a lot of delicious things to eat, you are not able to eat. Though you have a fine house to live in, you are not able to enjoy it. Though you have an affectionate family, you cannot live with them. It is Antraya Karma. This Karma prevents us from doing good deeds and have happiness in life Worship of Charity Do not stop others from giving charity Do not be jealous at others happiness Share your knowledge with others Give help to others

9. Someone is strong and healthy. Someone is weak and thin. Someone is fat while someone is bony. Someone is tall while someone is short. Some have sweet melodious voice, others don’t. This is the work of Nam Karma. This karma determines the looks, skin, form etc. of the bodies of living beings Worship of Purity Purity is in the simplicity of living Always be kind and loving Do not hurt the feelings of your Parents Do not forget the help given by others Do not betray others

10. In the world: Someone is born high. Someone is born low. By the influence of high Gotra Karma, one becomes forward and high in society. By the influence of low Gotra Karma, one becomes backward and low in society. By the high Gotra Karma, one gets reputation, power, respect in society. Owing to low Gotra. Karma, one gets blame, contempt and insult in society. A high or a low place in society is the result of this Karma. One can be high as well as low in the same life at different periods. He is bound by this Karma by being proud of his physical beauty, power, caste, Intelligence, knowledge and wealth. This Karma also binds one who despises others and treats others with contempt. This karma determines the family and status of our birth. Do not boast yourself Do not insult or mock at others Treat all religions respectfully

11. He who is charitable, merciful and performs the religious activities, earns the life of a human being. He who cheats and deceives others, earns the life of a bird or an animal or a plant. Owing to this Karma one has to be born, has to live and die in this world. The age limit in the next birth is determined in this life. Once it is fixed it cannot be changed. This karma determines the life spans of all living beings. Be charitable, compassionate, merciful and follow the religion. Do not cheat or deceive others.

12. There are two types of Vedaniya Karma. 'Shata Vedaniya' - feeling well. 'Ashata Vedaniya' - feeling ill. Shata Vedaniya gives one pleasure. Ashata Vedaniya gives one pain. On account of Ashata Vedaniya Karma, one becomes a victim of Cancer, Cholera, Typhoid, T. B., Cardiac troubles etc. On account of Shata Vedaniya krama, one gets pleasure and happiness. This karma makes us experience either the sweetness of physical happiness or the bitterness of pain. Do not give pain to others by harassing, hurting, killing, to not earn Ashata Vedaniya Karma. Try and make others happy by helping others, giving them protection and peace, to earn Shata Vedaniya karma.

13. Which karma pertains to knowledge? Which karma creates doubts about religion? Which karma causes obstruction to happiness? Which karma produces pain and pleasure? Which karma determines life span? Which karma causes obstruction to our seeing?