Here they are, the five factors. First: adhishthana, the body — the physical seat where action takes place. Second: the karta, the doer, the individual who initiates. Third: the karana, the instruments — eyes, ears, hands, mind, the various senses that carry out the task. Fourth: the cheshta, the different kinds of effort — muscular, mental, verbal. And fifth: daiva, the unseen hand of divine will or destiny.
Consider a potter shaping a vessel. The wheel and workspace are the adhishthana. The potter is the karta. The hands and eyes are the karana. The pressing, turning, and smoothing are the cheshta. And then there is something the potter cannot fully control — whether the clay cooperates, whether the kiln holds, whether the finished pot reaches the right buyer. That fifth factor is daiva.
Once you see action this way, the claim 'I did it all by myself' becomes harder to hold. You contributed — yes. But four other forces were working alongside you.