naipunyam vaisya-laksanam
deva-guru-acyute-unto the demigods, the spiritual master and Lord Visnu; bhaktih-engagement in devotional service; tri-varga-of the three principles of pious life (religion, economic development and sense gratification); pariposanam-execution; astikyam-faith in the scriptures, the spiritual master and the Supreme Lord; udyamah-active; nityam-without cessation, continuously; naipunyam-expertise; vaisya-laksanam-the symptoms of a vaisya.