20وَلَولا فَضلُ اللَّهِ عَلَيكُم وَرَحمَتُهُ وَأَنَّ اللَّهَ رَءوفٌ رَحيمٌMuhammad SarwarWere it not for the favor and mercy of God upon you (you would have faced painful punishment in this world and the life to come). God is Compassionate and Merciful.