nīla-sphaṭika-vaidūrya-
muktā-marakatāruṇaiḥ
kḷpta-harmya-sthalīṁ dīptāṁ
śriyā bhogavatīm iva
nīla - sapphires; sphaṭika - crystal; vaidūrya - diamonds; muktā - pearls; marakata - emeralds; aruṇaiḥ - with rubies; kḷpta - bedecked; harmya-sthalīm - the floors of the palaces; dīptām - lustrous; śriyā - with beauty; bhogavatīm - the celestial town named Bhogavatī; iva - like.
In the city of the body, the heart is considered to be the capital. Just as the capital of a state is especially gorgeously filled with various high buildings and lustrous palaces, the heart of the body is filled with various desires and plans for material enjoyment. Such plans are sometimes compared to valuable jewels such as sapphires, rubies, pearls and emeralds. The heart becomes the center for all planning for material enjoyment.