In plain words
When you are born out of your mother's womb, no garlands at all are to be seen about the throat; no strings of fine pearls, not even for a sample; no chain of fine gold about the neck; no necklaces of gems, shining bright; not even a garland of hessonites; nothing set into garlands of jewels; no strands of emeralds set in. There is, there is one garland about your throat: gathering in it the karmas of your former births, Brahmā gave it to you and sent you forth with it, a heavy garland, good or bad, with not one cut away: the throat-garland strung with all your karmas.
Embodiments of Prema!
Karma alone is the cause of birth. So every man, too, is truly one born of a cause; for this birth, which has come through karma, Dharma is the chief puruṣārtha. Dharma alone is the first puruṣārtha.
In the worldly sense and in the spiritual, Dharma today means what governs our conduct in the world: we live by Dharmas resting on such grounds as race, religion, caste, class, sex or āśrama. This is not the right meaning of Dharma; untouched by the sway of place, time and circumstance, the form that is common to all men everywhere and to every country: that alone is Dharma. What upholds man: that alone is Dharma. What upholds man is humanness itself. For man, humanness itself is Dharma. What does humanness mean?