Class Twelve. Conclusion. To repeat all this in the Shuls as the Rebbe’s Rosh Hashana message. Page 154-5.

Class Eleven. We want to be judged by Hashem Himself and not by His court. We affect this by living our lives beyond the letter of the law in all areas of Torah Avoda and Gemillas Chasadim. Page 153-4.

Class Ten. How to guarantee that the debts are erased. make sure they’re not in Beis Din (above) but judged as the debts of [THE] One. Hashem Himself. The difference between heavenly court Judgement and God’s judgement. Page 152-3.

Class Nine. Hashem wants us to pay our debts. Therefore shmitta is mishamet (erases debts) only at the last second. If that second comes and goes, it now becomes important to make sure the debt does not remain! Page 151-2.