1332
Śrīmad-Bhāgavatam
[Canto 3, Ch. 31]
Unserious about the horrible condition in the womb, such persons continue in materialism, grossly misusing the chance of the human form of life.
The word  kṛpaṇa-dhīḥ  is significant in this verse.  Dhī  means intelligence, and  kṛpaṇa  means miserly. Conditional life is for persons who are of miserly intelligence or who do not properly utilize their intelligence. In the human form of life the intelligence is developed, and one has to utilize that developed intelligence to get out of the cycle of birth and death. One who does not do so is a miser, just like a person who has immense wealth but does not utilize it, keeping it simply to see. A person who does not actually utilize his human intelligence to get out of the clutches of  māyā , the cycle of birth and death, is accepted as miserly. The exact opposite of miserly is  udāra , very magnanimous. A  brāhmaṇa  is called  udāra  because he utilizes his human intelligence for spiritual realization. He uses that intelligence to preach  Kṛṣṇa  consciousness for the benefit of the public, and therefore he is magnanimous.
TEXT 18
येनेदृशीं गतिमसौ दशमास्य ईश
संप्राहितः पुरुदयेन मवाद्दशेन ।
स्वेनैव तुष्यतु कृतेन स दीननाथः
को नाम तत्प्रति विनाञ्जलिमस्य कुर्यात् ॥१८॥
yenedṛśīm gatim asau daśa-māsya īśa saṅgrāhitaḥ purudayena bhavādṛśena svenaiva tuṣyatu kṛtena sa dīna-nāthaḥ ko nāma tat prati vināñjalim asya kuryāt
yena —by whom (the Lord);  īdṛśīm —such;  gatim —a condition;  asau —that person (myself);  daśa-māsyaḥ —ten months old;  īśa —O Lord;  saṅgrāhitaḥ —was made to accept;  puru-dayena —very merciful;  bhavādṛśena —incomparable;  svena —own;  eva —alone;  tuṣyatu —may He be pleased;  kṛtena —with His act;  saḥ —that;  dīna-nāthaḥ —refuge of the fallen souls;  kaḥ —who;  nāma —indeed;  tat —that mercy;  prati —in return;  vinā —except with;  añjalim —folded hands;  asya —of the Lord;  kuryāt —can repay.
TRANSLATION
My dear Lord, by Your causeless mercy I am awakened to consciousness, although I am only ten months old. For this causeless mercy of the