"The world stands on three things: on the Torah, and on the service (of God), and on acts of lovingkindness." A person should not say: Torah study on its own suffices for me, or fulfilling commandments between man and God suffices on its own, or fulfilling the commandments concerning man and his brethren suffices on its own. This is not the way. The three, together, are necessary … the letter vav is added, showing that one does not suffice on its own, and neither do two, but all three are necessary. For one without the other cannot exist. As they, of blessed memory, said, "Whoever holds a Torah scroll naked, is buried naked". They explain that this was intended to mean that a person who says that they have only Torah, who does nothing but study and does not engage in its garments - meaning the commandments written in it - such a person is "buried", or goes to the grave without anything, without even the reward for having studied.