What is the meaning of the 'necklace of nine gems' and 'ninefold devotion' mentioned in the Satcharitra?

In Chapter 33, while discussing the interactions between Sai Baba and his devotee Appa, the text uses a beautiful metaphor. It states that for a person touched by Baba's hand, the connection is like a "necklace of nine gems." This is immediately explained as representing the "treasure of ninefold devotion and love" (Navavidha Bhakti). This is a classical concept in Hindu devotional traditions that outlines nine different ways of expressing devotion to God. By linking the giving of Dakshina to this concept, the Satcharitra elevates the act from a simple monetary transaction to a profound expression of love and a part of the spiritual path of remembrance and devotion to Sai Baba.