When you are born, you are not born with garlands and necklaces. You have no pearls or diamonds. You have no golden ornaments. But around your neck hangs the garland of your past karma and acquired "samskaras" (tendencies). And when you die, you do not take anything with you except the consequences of your good and evil actions. You are always decked with the invisible garland of your inexorable karma, which pursues and burdens you. This burden of karma can be lightened by God's grace and your own realization of the oneness of your soul with the universal soul. Karma can be destroyed by karma alone.
(Summer Showers, 1979, pg 56)
