The accumulated fruits of penance are like savings in the bank accruing interest.

From the book The Principle of Becoming God

Will you not show me a sign my Sai?
Thy grace! You are the One who conquers my heart!
Will You not let the world know this?
Show a sign!

You are in my blood
You are in my soul
You gave Your feet as my refuge
For all to know this compassion
Will You not show me a sign my Sai...

There is none in my heart other than You
There are no moments when I have not thought of You
You gave me Your feet in Thy grace
For all to know what I deserve
Will You not show me a sign my Sai...