بِسْمِ اللَّهِ الرَّحْمَٰنِ الرَّحِيمِ
In the name of Allah, Most Gracious, Most Merciful.
92:19
وَمَا لِأَحَدٍ عِندَهُۥ مِن نِّعْمَةٍ تُجْزَىٰٓ
92:19
And who has (in mind) no favor from anyone to be paid back. - Safi-ur-Rahman al-Mubarakpuri (English)