There are so many debts to pay in life; not only money, but there are obligations to those around us, obligations to those who justly or unjustly, foolishly or wisely expect something from us: thought, consideration, love, service, our obligations towards friends and acquaintances, obligations towards strangers. Today the life we live keeps our minds so much at work that every day we become less and less considerate, less and less thoughtful. Thus the unknown influences which come upon us and bring about changes in our life are such that we blame this or that person or the stars and planets and other things; but in reality it all belongs to the realm of the heart.