Mahabharata 12.287.26

वणिग्यथा समुद्राद्वै यथार्थं लभते धनम्तथा मर्त्यार्णवे जन्तोः कर्मविज्ञानतो गतिः

vaṇigyathā samudrādvai yathārthaṃ labhate dhanamtathā martyārṇave jantoḥ karmavijñānato gatiḥ

Our plain-language meaning of this verse is waiting for scholar review.