What does Chapter 28 say about the relationship between one's past karma and the opportunity to meet a saint?

According to the teachings presented in Chapter 28, attaining the company of saints is not a random event but the direct result of the fruition of good karma accumulated over many past births. When this accumulated merit rises, an individual is blessed with the association of a Sadguru like Sai Baba. The chapter explains that this sacred company is transformative; it destroys the darkness of delusion, ignites the fire of spiritual discrimination, and fosters detachment from worldly enjoyments. This process ultimately helps destroy one's accumulated karma and makes life truly successful.