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And whatever affliction, [whatever] misfortune or hardship, may befall you - [this is] an address to the believers - is on account of what your [own] hands have earned, that is to say, [for] the sins that you have committed - the use of 'hands' to express this is because most actions are effected by them. And He pardons much, of these [sins] and does not requite them, for Allah’s kindness is greater than that He should [for example] double the requital in the Hereafter; as for those who do not commit [grave] sins, then what befalls them in this world [of hardship] raises their degree in the [reward of the] Hereafter.