Verse 20

दुरुत्तरा या विपदो दुःखकल्लोलसंकुलाः ।तीर्यते प्रज्ञया ताभ्यो नावापद्भ्यो महामते

In plain words

Those calamities, hard to get across, thronging with the waves of sorrow -- from them one is carried over by prajñā, as by a boat, O great of mind.