What does Chapter 10 say about how devotion to Sai Baba can affect a person's karma and worldly troubles?

In Chapter 10 of the Shri Sai Satcharitra, it is detailed that a Sadguru like Sai Baba provides immense relief from suffering and karmic burdens for his devotees. The chapter uses the metaphor of a boatman, stating that the Sadguru helps his devoted bhaktas cross over the three types of miseries: physical, mental, and divine. Furthermore, it is said that by His mere sight, the knots of the heart are broken and attachments to sense objects vanish. Most significantly, Chapter 10 claims that both accumulated (Sanchit) and current (Kriyaman) karmas are destroyed through His grace, offering devotees a path to liberation.