20. Allâh has given a general ruling that whoever does not have faith and does not belong

to the people of truth and patience, is in state of loss. This means that the only true winners are people of patience: "By (the Token of) Time (through the Ages), verily Man is in loss, except such as have Faith, and do right actions, and (join together) in the mutual teaching of the Truth, and of Patience and Constancy" (al-'Asr 103:1-3) Commenting on this sûrah, Imâm ash-Shâfi'î said: "If people thought deeply on this sûrah, it would provide enough guidance, as man cannot attain perfection without perfecting these two things, his knowledge and his actions, i.e. his faith and right actions. As he is required to perfect himself, so he is required to perfect others, which is joining together in mutual teaching of the truth. The foundation of all this is patience."