بِسمِ اللَّهِ الرَّحمـٰنِ الرَّحيمِ وَالعَصرِ

By Time.

إِنَّ الإِنسانَ لَفي خُسرٍ

The human being is at a loss.

إِلَّا الَّذينَ آمَنوا وَعَمِلُوا الصّالِحاتِ وَتَواصَوا بِالحَقِّ وَتَواصَوا بِالصَّبرِ

Except for those who believe, do good deeds, encourage truth, and recommend patience.