What are the main teachings and stories presented in the 21st chapter of Sai Satcharitra?

Chapter 21 of the Sai Satcharitra primarily teaches that encounters with Saints are a matter of divine grace and timing, not mere chance or effort. It emphasizes that "good fortune" is a prerequisite for such a meeting. This is illustrated through two main narratives. First, the author shares his personal story of being a Magistrate in Bandra and foolishly avoiding the darshan of a renowned Siddha, Pir Maulana, due to pride and what he terms "ill-luck." Second, the chapter introduces the story of a highly educated B.A. graduate who became a Collector and, by good fortune, found the company of Sai Baba. Philosophically, the chapter explains that all Saints are inwardly one and act as agents for a single "Emperor of Self-bliss," managing his spiritual kingdom from different outposts.