Nay! I swear by the Day of Resurrection.And nay! I swear by An-Nafs Al-Lawwamah.Qatadah said,"This means, I swear by both of these things."This has also been reported from Ibn `Abbas and Sa`id bin Jubayr.Concerning the Day of Judgement, it is well known what it is.In reference to An-Nafs Al-Lawwamah, Qurrah bin Khalid reported from Al-Hasan Al-Basri that he said about this Ayah,"Verily, by Allah, we think that every believer blames himself. He says (questioning himself),`What did I intend by my statement What did I intend by my eating?What did I intend in what I said to myself?'However, the sinner proceeds ahead and he does not blame himself."Ibn Jarir recorded from Sa`id bin Jubayr that he said concerning Allah's statement, وَلَا أُقْسِمُ بِالنَّفْسِ اللَّوَّامَةِ (And nay! I swear by An-Nafs Al-Lawwamah)"He criticizes himself in good and bad."Similar has been reported from `Ikrimah.Ibn Abi Najih reported from Mujahid:"He is sorry for what he missed (of good deeds) and he blames himself for it."Allah said;أَيَحْسَبُ الاِْنسَانُ أَلَّن نَجْمَعَ عِظَامَهُ