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The six substances, with their five categories, are described as being deeply and intensely (avagaḍhā) bound to karma (kammabhāvam). They become (gacchanti) the state of karma (dravya karma).
**Special Note:** The pure, unstained, luminous consciousness, free from attachment, aversion, and delusion, is called the natural state of the soul (ātmaka). Why is the state of attachment, aversion, etc. called the natural state? Answer: Due to the influence of the bondage (bandhaprakaraṇa), the state of attachment, aversion, etc. is called the natural state, in comparison to the impure consciousness. There is no fault in this. Here it is said that when this impure soul undergoes its state of attachment, aversion, and delusion, then the karmic particles (pudgala skandha) that are fit for karmic bondage, which are situated in the field of the body that is restrained by the soul, become the state of karma (dravya karma) due to their own inherent power (upādāna kāraṇarūpa śakti). And they become bound to the soul in the regions (pradeśa) in the same way that milk and water mix together. ||65||
**Time Commentary Verse 66:** The unique nature of karma is described here. Just as the pudgala substances are arranged into skandhas in many ways, so too know that karma is diverse, not created by others. ||66||
**Hindi Time Commentary Verse 66:** **Anvaya-artha:** (Yathā) Just as (pudgaladravyaṇām) the pudgala substances (bahuprakāraih) in many ways (skandhanirvṛttiḥ) are arranged into skandhas (paraiḥ akṛtā) without being done by others (dṛṣṭā) are seen, (tathā) in the same way (karmaṇām) the diversity of karma (vijānihi) know that it is not created by others.
**Commentary:** The diversity of karma (bahuprakāratā) is not done by others, it is said here. Just as when one experiences the light of the moon and sun, the evening clouds, the rainbow, and many other things, the pudgala skandha is formed without any dependence on debt, so too karma is formed without any dependence on debt, in many ways, due to the experience of the soul's state (jīvapariṇāmopa-lambhe), such as the covering of knowledge (jñānāvaraṇa), etc. ||66||