1"Bhikkhus, possessing three factors, a shopkeeper soon attains vast and abundant wealth. What three? Here, a shopkeeper has keen eyes, is responsible, and has benefactors.

(1) "And how, bhikkhus, does a shopkeeper have keen eyes? Here, a shopkeeper knows of an item: ‘If this item is bought at such a price and sold at such a price, it will require this much capital and bring this much profit.’ It is in this way that a shopkeeper has keen eyes.

2(2) "And how is a shopkeeper responsible? Here, a shopkeeper is skilled in buying and selling goods. It is in this way that a shopkeeper is responsible.

3(3) "And how does a shopkeeper have benefactors? Here, rich, wealthy, affluent householders and householders’ sons know him thus: ‘This good shopkeeper has keen eyes and is responsible; he is able to support his wife and children and pay us back from time to time.’ So they deposit wealth with him, saying: ‘Having earned wealth with this, friend shopkeeper, support your wife and children and pay us back from time to time.’ It is in this way that a shopkeeper has benefactors.

"Possessing these three factors, a shopkeeper soon attains vast and abundant wealth.

4"So too, bhikkhus, possessing three qualities, a bhikkhu soon attains vast and abundant wholesome qualities. What three? Here, a bhikkhu has keen eyes, is responsible, and has benefactors.

(1) "And how, bhikkhus, does a bhikkhu have keen eyes? Here, a bhikkhu understands as it really is: ‘This is suffering’ … ‘This is the way leading to the cessation of suffering.’ It is in this way that a bhikkhu has keen eyes.

5(2) "And how is a bhikkhu responsible? Here, a bhikkhu has aroused energy for abandoning unwholesome qualities and acquiring wholesome qualities; he is strong, firm in exertion, not casting off the duty of cultivating wholesome qualities. It is in this way that a bhikkhu is responsible.

6(3) "And how does a bhikkhu have benefactors? Here, from time to time a bhikkhu approaches those bhikkhus who are learned, heirs to the heritage, experts on the Dhamma, experts on the discipline, experts on the outlines, [n.354] Mātikādharā. Mp glosses this as "experts on the two outlines" (dvemātikādharā), which Mp-ṭ identifies as the bhikkhu and bhikkhunī mātikās (the Pāṭimokkhas for monks and nuns) or the mātikās of the Vinaya and Abhidhamma. The mātikās were lists of principles and practices that systematically represent the Dhamma. The mātikādharā are mentioned once in DN, twice in MN (in one sutta), not at all in SN, and twelve times in AN, which suggests that the suttas that refer to them are relatively late, or at least had been modified to accommodate them. On their nature and role, see   218–24. and inquires: ‘How is this, Bhante? What is the meaning of this?’ Those venerable ones then disclose to him what has not been disclosed, clear up what is obscure, and dispel his perplexity about numerous perplexing points. It is in this way that a bhikkhu has benefactors.

"Possessing these three qualities, a bhikkhu soon attains vast and abundant wholesome qualities."

1"Tīhi, bhikkhave, aṅgehi samannāgato pāpaṇiko nacirasseva mahattaṁ vepullattaṁ pāpuṇāti bhogesu. Katamehi tīhi? Idha, bhikkhave, pāpaṇiko cakkhumā ca hoti vidhuro ca nissayasampanno ca.

Kathañca, bhikkhave, pāpaṇiko cakkhumā hoti? Idha, bhikkhave, pāpaṇiko paṇiyaṁ jānāti: ‘idaṁ paṇiyaṁ evaṁ kītaṁ, evaṁ vikkayamānaṁ, ettakaṁ mūlaṁ bhavissati, ettako udayo’ti. Evaṁ kho, bhikkhave, pāpaṇiko cakkhumā hoti.

2Kathañca, bhikkhave, pāpaṇiko vidhuro hoti? Idha, bhikkhave, pāpaṇiko kusalo hoti paṇiyaṁ ketuñca vikketuñca. Evaṁ kho, bhikkhave, pāpaṇiko vidhuro hoti.

3Kathañca, bhikkhave, pāpaṇiko nissayasampanno hoti? Idha, bhikkhave, pāpaṇikaṁ ye te gahapatī vā gahapatiputtā vā aḍḍhā mahaddhanā mahābhogā te evaṁ jānanti: ‘Ayaṁ kho bhavaṁ pāpaṇiko cakkhumā vidhuro ca paṭibalo puttadārañca posetuṁ, amhākañca kālena kālaṁ anuppadātun’ti. Te naṁ bhogehi nipatanti: ‘ito, samma pāpaṇika, bhoge karitvā puttadārañca posehi, amhākañca kālena kālaṁ anuppadehī’ti. Evaṁ kho, bhikkhave, pāpaṇiko nissayasampanno hoti.

Imehi kho, bhikkhave, tīhi aṅgehi samannāgato pāpaṇiko nacirasseva mahattaṁ vepullattaṁ pāpuṇāti bhogesu.

4Evamevaṁ kho, bhikkhave, tīhi dhammehi samannāgato bhikkhu nacirasseva mahattaṁ vepullattaṁ pāpuṇāti kusalesu dhammesu. Katamehi tīhi? Idha, bhikkhave, bhikkhu cakkhumā ca hoti vidhuro ca nissayasampanno ca.

Kathañca, bhikkhave, bhikkhu cakkhumā hoti? Idha, bhikkhave, bhikkhu ‘idaṁ dukkhan’ti yathābhūtaṁ pajānāti, ‘Ayaṁ dukkhasamudayo’ti yathābhūtaṁ pajānāti, ‘Ayaṁ dukkhanirodho’ti yathābhūtaṁ pajānāti, ‘Ayaṁ dukkhanirodhagāminī paṭipadā’ti yathābhūtaṁ pajānāti. Evaṁ kho, bhikkhave, bhikkhu cakkhumā hoti.

5Kathañca, bhikkhave, bhikkhu vidhuro hoti? Idha, bhikkhave, bhikkhu āraddhavīriyo viharati akusalānaṁ dhammānaṁ pahānāya, kusalānaṁ dhammānaṁ upasampadāya, thāmavā daḷhaparakkamo anikkhittadhuro kusalesu dhammesu. Evaṁ kho, bhikkhave, bhikkhu vidhuro hoti.

6Kathañca, bhikkhave, bhikkhu nissayasampanno hoti? Idha, bhikkhave, bhikkhu ye te bhikkhū bahussutā āgatāgamā dhammadharā vinayadharā mātikādharā te kālena kālaṁ upasaṅkamitvā paripucchati paripañhati: ‘idaṁ, bhante, kathaṁ, imassa ko attho’ti? Tassa te āyasmanto avivaṭañceva vivaranti, anuttānīkatañca uttānīkaronti, anekavihitesu ca kaṅkhāṭhāniyesu dhammesu kaṅkhaṁ paṭivinodenti. Evaṁ kho, bhikkhave, bhikkhu nissayasampanno hoti.

Imehi kho, bhikkhave, tīhi dhammehi samannāgato bhikkhu nacirasseva mahattaṁ vepullattaṁ pāpuṇāti kusalesu dhammesū"ti.

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Dasamaṁ.
Rathakāravaggo dutiyo.
Paṭhamabhāṇavāro niṭṭhito.

7Ñāto sāraṇīyo bhikkhu,
cakkavattī sacetano;
Apaṇṇakattā devo ca,
duve pāpaṇikena cāti.