Dharma, artha, kāma, mokṣa (SB 4.8.41, Cc. Ādi 1.90), these are called āpavarga. Āpavarga means nullifying the pavarga. Pavarga... This material world is called pavarga. Pa, pha, ba, bha, ma. According to Sanskrit grammar, there are five vargas, ka varga ca varga ta varga ta varga and pa varga. So pa varga, pa means pariśrama. Similarly, pha means phena, and bha means bhaya (?), ma means mṛtyu. So this material world is pavarga, means here we have to labor very hard. Sometimes by laboring, as you have seen in animals, bulls and horses, they produce foam in the mouth, that is pha. And then we are always full of anxieties, and at last there is death. This is material life. We work very hard, struggle for..., struggle hard for existence, and that also, at the end, we die.
So people have become so much foolish that they do not see the defects of the material..., materialistic way of life. They think only that the time, the small duration of life, if you can somehow or other gratify your senses, that is perfection of life. This is called ignorance, mūḍhaḥ.