Then they came to a buffalo and went to milk it, but it lowered its head and charged them; and Dharam cried but his wife said "Don't cry" and sang: "If you go to catch the buffalo, Dharmu, It will kill you. How shall we drink milk? How shall we drink milk? How far off are you, O our Karam Gosain?" And the buffalo said "Go on to the bank of the Ganges."

Karmu told him not to work himself but act as overseer of the other labourers, and the labourers also told him that it was not suitable for him to work as a labourer himself, but Dharmu said that he must earn his wages and insisted on working; and in the same way Dharmu's wife might have acted as overseer of the women, but she was ashamed not to work too.

Just then Dharmu strained off the water from the cooked rice and threw it out of the window, and it fell on Karam Gosain and scalded him, and as the flies and insects worried the wound, Karam Gosain went off to the Ganges and buried himself in the middle of the stream.

One day they were transplanting the rice and Karmu brought out breakfast for the labourers; he told Dharmu and his wife to wash their hands and come and eat; but they answered that they belonged to the household and that the hired labourers should be fed first, so the labourers ate and they ate up all the rice and there was nothing left for Dharmu and his wife.

So at last they came to the Ganges and they stood on the bank and called to Karam Gosain; and when he came they caught hold of him and he said "Fie, what low caste person is touching me?" But they said. "It is no low caste person, but Dharmu."

When the midday meal was brought the same thing happened, Dharmu and his wife got nothing; but they hoped that it would be made up to them when the wages were paid, and worked on fasting.

As he had thus offended Karam Gosain, all Dharmu's undertakings failed and he fell into deep poverty, and had not even enough to eat, so he had to take service with his brother Karmu. When the time for transplanting the rice came, Dharmu used to plough and dig the ditches and mend the gaps along with the day labourers.

On their way they met the four women and told them how they could be saved from their troubles. The villagers welcomed Dharmu and he arranged a great feast and gave paddy to all the villagers to husk; but when they had boiled it the weather became cloudy so that they could not dry it, so they prayed to the sun and he at once shone out and dried the paddy.

Then they bathed him and anointed him with oil and turmeric and wrapped him in the new cloth which they had brought, and thus they persuaded him to return; so they rose up to go back, and Dharmu asked about the women whom they had met, and Karam Gosain said: "The woman has a stool stuck to her back because when visitors came she never offered them a seat; let her do so in future, and she will be freed; and the woman has her feet burning in the fire because she pushed the fuel into the fire with her foot; let her not do so in future, and she will be freed; and the woman has the thatching grass stuck to her head because when she saw a friend with straw sticking in her hair she did not tell her about it; let her do so in future and she will be freed; and the woman has the pai measure stuck to her throat because, when her neighbour wanted to borrow her measure, she would not lend it; let her do so in future and she will be freed."

Karmu was a farmer and Dharmu was a trader; once when Dharmu was away from home Karmu gave a religious feast and did not invite Dharmu's household; when Dharmu returned and learnt this, he told his wife that he also would perform the ceremonies in his house, so they set to work and were employed in cooking rice and vegetables far into the night; and Karam Gosain came down to see what preparations Dharmu was making in his honour, and he watched from the back of the house.