In the name of Allah, the beneficent, the merciful.
"O Allah! I seek refuge from anxiety and grief and I seek Thy refuge from lack of strength and laziness and I seek Thy refuge from cowardice and niggardliness and I seek Thy refuge from being over powered by debt and the oppression of men. O Allah! Suffice Thou me with what is lawful, to keep me away from what is prohibited and with Thy grace make me free of want of what is beside Thee.*
"O Allah! I seek refuge from anxiety and grief and I seek Thy refuge from lack of strength and laziness and I seek Thy refuge from cowardice and niggardliness and I seek Thy refuge from being over powered by debt and the oppression of men. O Allah! Suffice Thou me with what is lawful, to keep me away from what is prohibited and with Thy grace make me free of want of what is beside Thee.*