What does Chapter 28 say about the connection between past karma, the company of saints, and a devotee's spiritual progress?

Chapter 28 explains that attaining the company of saints is a significant spiritual milestone that occurs when the accumulated karma of many past births comes to fruition. When this happens, a profound transformation begins. The chapter states that being in a saint's presence helps to destroy the "darkness born of delusion." This, in turn, ignites the "fire of discrimination," leading the devotee to become detached from worldly enjoyments. This entire process culminates in the destruction of accumulated karma, making one's life spiritually successful.