Just try to understand this. Saguṇa-upāsanā means when Brahman takes a form He takes a form from this material help. Just like we take a form, we spiritual entities. We also take a form, transmigration of the soul according to karma. I create a certain type of mentality, and that continues throughout my life. And at the time of death, because I have got a certain type of mentality, man-mentality or God-mentality or dog-mentality or fly-mentality, any kind of... There are so many. So I have to take a certain type of body. So that body I have to take not by my whim. Daivena. Daiva-netreṇa: by the decision of higher authorities. Daiva, generally, it means the Supreme Personality of Godhead and His agents. He has got many. Parāsya śaktir vividhaiva śrūyate (Cc. Madhya 13.65, purport). So the material agent is Durgā. So I create a mentality by my association with this material world. There are three kinds of qualities: sattva-guṇa, rajo-guṇa, tamo-guṇa. So one of them or mixed, I will have to accept. Because I am associating. Just like... It is not difficult. If you associate with the hippies, you will become hippie. If you associate with the hippies, you will become hippie. If you associate with the Vaiṣṇava, you become Vaiṣṇava. That is practical. So similarly, if you associate with tamo-guṇa... One of the features of tamo-guṇa is laziness and sleepy. I am against so much sleeping because it is tamo-guṇa. And the features of rajo-guṇa is very active, but for sense gratification. Just like ordinary persons, they are very active. They rise also early in the morning, they work very hard, but the whole plan is for sense gratification. That's all. That is rajo-guṇa. And sattva-guṇa means they are silent, they are sober, they know what is what, and they try for spiritual advancement. That is sattva-guṇa.
So you can understand whether a man is in sattva-guṇa or a man is in rajo-guṇa or a man is in tamo-guṇa by the symptoms of his behavior. So as we associate with different types of guṇas we develop a certain type of mentality that continues, and if it continues up to the point of death, then certainly we'll have to accept a body influenced by these guṇas. Therefore Bhagavad-gītā says, prakṛteḥ kriyamāṇāni guṇaiḥ karmāṇi sarvaśaḥ (BG 3.27). Yasmāt, these guṇaiḥ. Prakṛteḥ kriyamāṇāni guṇaiḥ. According to the association of guṇa, or quality, prakṛti gives you a certain type of body. The body is given by prakṛti, by nature. Therefore, nature is called mother, Durgā. Just like we develop this body exactly from the mother's womb. The father gives the seed, but the bodily ingredients, that is... Just like mother is developing the body, similarly, she is developing the child's body also, by eating, by the secretion, by development of the secretion, air. Air is solidifying the secretion. It is becoming gradually muscles, skin, bone, as it is becoming harder and harder. A very nice factory is going on. That is also by nature. And nature is working by the order of Kṛṣṇa. Therefore, ultimate cause is Kṛṣṇa.