That is karmī. If they have got very nice apartment, a nice wife and good bank balance and a very nice dress, oh, there is perfection. That's all. That is karmī. And jñānī means that when they are confused. Just like there are a section of people in your country, they have seen enough of this material affair, happiness, or they are searching after something wrongly. But actually those who are intelligent, they don't remain confused. Actually they want to see "What is my actual position." They are called jñānī, man of knowledge.
So jñāna, or knowledge, is on the mental plane and karma is on the bodily plane. So somebody, some section of people, they are engaged in this bodily platform, and some section of people are engaged in the mental platform. Whatever religion and process of elevation of life we have manufactured, they can be grouped in two ways: mental and bodily. That's all. And Bhagavad-gītā is transcendental. Neither on the mental plane nor on the bodily plane.