In plain words
Every child comes into this world bearing the boundless burden of its own past-accumulated karma. A child does not simply drop out of Nature's hands, glittering like dew. It was born into this world for the very purpose of experiencing the good and evil fruits that it brought upon itself through its own past karmas. This indeed is the cause of the differences we see among human beings. This indeed is the law of karma. Each one of us is himself the cause and himself the agent of whatever misfortune befalls him. Fate, a predestined course, divine will, and every such theory — this one law alone topples them all. A reconciling path between Īśvara and man is established only by means of this law: we ourselves are the cause of all the hardships that befall us, and no one else is. We ourselves are both cause and effect. We are free agents. If you are now unhappy, suffering pain, that is nothing but the fruit of your own self-made karma. By that same token, the experience of happiness too lies entirely in your own hands. If you resolve upon it, it becomes clear that you can achieve that too. If I am now pure, I myself am the cause of it; were I to wish otherwise, I could become impure. By this very token it becomes known: human will is beyond all conditions and circumstances. Human will, exceedingly mighty, great, and infinite, is human freedom. This is the fruit of the law of karma. The next question is liberation. In the Ātma, there is no distinction of woman and man; those distinctions belong to the body