Kathañca, 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. Evamevaṁ 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. Kathañca, 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.