Our 3 bodies

We are currently studying the 5th chapter of the Bhagavad Gita where it is clearly stated that the Atma, or the consciousness principle is Akarta and Abhokta -non-doer of actions and hence non-reaper of the fruits of actions. The question, that naturally will arise, is that if the Punyam and Papam (merits and sins) do not stick to the Atma, where does it stick, to be transferred across lifetimes. For this we have to understand the 3 bodies. This is elaborated in this presentation.