Chapter 32 contrasts formal scriptural knowledge with Guru's grace. Can you elaborate on this philosophical point using the text?

Chapter 32 of the Sai Satcharitra makes a profound philosophical distinction between scholarly learning and true spiritual knowledge, which it states can only be attained through a Guru's grace. The text explicitly says that even if one has studied the Vedas, Vedangas, Shrutis, and Shastras, all this effort is 'mere chaff' without the grace of a Guru. This highlights a core teaching: intellectual accumulation is insufficient for liberation. The chapter introduces the metaphor of the 'tree of worldly existence,' which is born of ignorance, to emphasize the futility of navigating this complex and sorrowful existence without a guide. As stated in Chapter 32, the words from the Guru's mouth, like those of Sai Baba, have the power to destroy sins and afflictions, and ultimately allow one to see one's own Guru, which is the path to true knowledge.