ज्ञानी क्रियापर ज्ञा लो, भावितात्मा तितीर्षय ।
स्वयं तीर्णों भवसागरे, परांस्तारयितु क्षम ॥१॥६५॥
Know: the one who is jnani AND kriyapar AND bhavantima — crosses the bhavsagar themselves and has the capacity to carry others across.
The highest purpose of human life is to cross the bhavsagar. If this bhavana has become awakened in every pore of the jivatma, then jnana and kriya will come without delay. When the desire for something is born, its correct recognition, the upay for obtaining it, and the purushartha — all arise naturally. The jivatma seeking param-sansati (incomparable shelter) will spare no effort. All five qualities must be present and active together — no single one alone is sufficient.
The simple version: Five qualities cross the bhavsagar together — not one alone. Jnana without kriya is a map without walking. Kriya without jnana is walking blind. Upasham without both is stillness without direction. All five together — that is the one who can cross and carry others.