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We now come to our own life. This individual soul—which I will now call your self—is involved with five bodies. You are a ball of karmas. Whatever you think is a karma. Karma does not mean only bad actions. Good thinking illuminates your phenomenon. Negative thinking poisons your phenomenon. Words, good sentences spoken with kindness, love, and humbleness, are an enlightenment. They create harmony. Bad words create disharmony, enemies, and troubles. Suppose you have to do some very important work. You go to a government office and say, "Good morning, sir, please can you be so kind and help me?" That person may or may not want to help, but they will think how kind and humble you are. You are projecting your kindness, which will create harmony and love. Instead of saying these kind words, you go and say, "Hey, bloody one, do it, this!" I need not tell you what will happen. So your words are like a knife, or your words are like nectar. Therefore, bāṇī—the speech, the words—whatever you do is also creating karma. What karma? Good words create a good situation. Negative words create a negative situation. That is it. And wealth: through your social position, if you misuse it to do negative things, sooner or later it will come back. Or if you misuse your wealth, your money, to do bad things, that will come back sooner or later. If you do good things, that will also come back. The fourth way is through the physical body. First comes thinking, then comes words, then comes subtle action—that means using your power while keeping yourself removed—and fourth is finally through the body: tan, man, bachan, or dhan. These are the four ways. This is where you can create negative karma.