Pradyumna: "It is stated in the Padma-Purāṇa that there are four kinds of effects to sinful activities, which are listed as follows: (1) the effect which is not yet fructified, (2) the effect which is lying as seed, (3) the effect which is already mature, and (4) the effect which is almost mature. It is also stated that all these four effects..."
Prabhupāda: Kūṭa-stha-bīja, prārabdha... Like that. This is, these are the... Our effects. Just like we can understand in the modern... Just like if you infect some disease, it becomes immediately kūṭa-stha. Kūṭa-stha means stocked. In due course of time, it will come out, manifest. Similarly, we are acting so many sinful activities. Sometimes they complain that "This man is committing so many sinful activities, but he's happy." But actually he's enjoying the effects of his past something pious. Now he's happy, but that effect of the impious activities, that is in stock. It will come out in due course of time. That is called kūṭa-stha. Kūṭa-stha phalonmukha, prārabdha. These are the Sanskrit language. That is being explained here. Go on.
Pradyumna: "It is also stated that all these four effects become immediately vanquished for those who surrender unto the Supreme Personality of Godhead, Viṣṇu, and become engaged in His devotional service in full Kṛṣṇa consciousness."
Prabhupāda: Yes. This, these four kinds of stages of sinful activities, in stock, almost fructified, manifest, all the stages of sinful activities can be immediately nullified. Because it is assured by Kṛṣṇa, ahaṁ tvāṁ sarva-pāpebhyo mokṣayiṣyāmi. It is not imagination. If we believe in the words of Kṛṣṇa, then there is no question of denying this fact. Kṛṣṇa personally says, ahaṁ tvāṁ sarva-pāpebhyo mokṣa... Sarva-pāpebhyo (BG 18.66). The kūṭa-stha, phalonmukha, prārabdha, everything, it become immediately nullified, simply by this process, by surrendering: "Kṛṣṇa, I, I was mistaken. I got..., forgot your mastership; You are my eternal Lord. So I was bewildered. I was wandering. Now I have come to my senses. I surrender unto You sincerely. You accept me." This very thing will give you immediately protection from all sinful activities.