Though we are born among men by virtue of 'the generalizing Karma,'[FN#401] yet, by the influence of 'the particularizing Karma,'[FN#402] some are placed in a high rank, while others in a low; some are poor, while others rich; some enjoy a long life, while others die in youth; some are sickly, while others healthy; some are rising, while others are falling; some suffer from pains, while others enjoy pleasures. For instance, reverence or indolence in the previous existence, working as the cause, brings forth high birth or low in the present as the effect. So also benevolence in the past results in long life in the present; the taking of life, a short life; the giving of alms, richness, miserliness, Poverty. There are so many particular cases of retribution that cannot be mentioned in detail. Hence there are some who happen to be unfortunate, doing no evil, while others fortunate, doing no good in the present life. So also some enjoy a long life, in spite of their inhuman conduct; while others die young, in spite of their taking no life, and so forth. As all this is predestinated by 'the particularizing Karma' produced in the past, it would seem to occur naturally, quite independent of one's actions in the present life. Outside scholars ignorant of the previous existences, relying simply on their observations, believe it to be nothing more than natural.[FN#403] [FN#401] The Karma that determines different classes of beings, such as men, beasts, Pretas, etc. [FN#402] The Karma that determines the particular state of an individual in the world. [FN#403] A. 'This harmonizes with the outside opinion that everything occurs naturally.' Besides, there are some who cultivated virtues in the earlier, and committed crimes in the later, stages of their past existences; while others were vicious in youth, and virtuous in old age. In consequence, some are happy in youth, being rich and noble, but unhappy in old age, being poor and low in the present life; while others lead poor and miserable lives when young, but grow rich and noble when old, and so on. Hence outside scholars come to believe that one's prosperity or adversity merely depends on a heavenly decree.[FN#404] [FN#404] A. 'This harmonizes with the outside opinion that everything depends on providence.'