The Sriphala necklace, made of silver gilded with gold, offers a subtle mix of fine stones that are Tourmaline and garnet. Phala - the term for a karmic result, means 'fruit'. The result of karma is therefore neither 'punishment' nor 'reward'. It is simply the natural result of an action, just as a seed ripens and produces this or that kind of fruit that will accrue to the doer: "He who does dark deeds will reap dark results; and he who does bright deeds will reap bright results. Both will be reborn in worlds that correspond to their deeds.