textCannot reliably extract key terms without the Sanskrit of 03.6.21. If you paste the verse, I will break down the principal legal vocabulary typically found in this section—e.g., ṛṇa (debt), ṛṇika (debtor), dhanika (creditor), sākṣin (witness), lekhya (written document), bandhaka (pledge/mortgage), pratyaya (proof/evidence), daṇḍa (penalty), vyavahāra (legal dispute)—as they occur in your specific verse.