What does Chapter 28 say about the transformative power of associating with saints?

Chapter 28 emphasizes that attaining the company of saints is a profoundly transformative experience that can make one's life successful. The text suggests that this opportunity arises only when the accumulated karma from many previous births comes to fruition. As described in this chapter, once this association is made, the "fire of discrimination becomes ignited," which leads to detachment from worldly enjoyments. Furthermore, it states that the darkness born of delusion is destroyed, and accumulated karma is also destroyed. The chapter uses the story of Laxmichand being drawn to Sai as an illustration of this spiritual principle.