In daily reading I found the following which applicable to tis post.
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The texts express this point in a variety of ways. Some passages simply list the Fetters that Non-returners have yet to abandon: passion for form, passion for formlessness, conceit, restlessness, & ignorance. Others give more experiential accounts of what is happening in a Non-returner's mind. From reading these latter accounts it is possible to see how the five Fetters in the list are interconnected:
Although Non-returners shed attachment to identity views back when they attained Stream entry, they still have a lingering sense of the conceit 'I am', associated with the five aggregates for sustenance — possessing form & formless — as they function subtly in the arising of tranquility & insight as a process of becoming. And while they have gained enough insight into the five senses to let go of any attachment to them, they still suffer from a certain amount of ignorance concerning the subtler level of becoming inherent in that conceit. This leads to refined forms of passion & delight that keep them restless & bound to the sixth sense: the mind.
'There is the case, Ānanda, where a monk... enters & remains in the first jhāna: rapture & pleasure born of seclusion, accompanied by directed thought & evaluation. He regards whatever phenomena there that are connected with form, feeling, perceptions, fabrications, & consciousness as inconstant, stressful, a disease, a cancer, an arrow, painful, an affliction, alien, a dissolution, empty, not self.
'He turns his mind away from those phenomena, and having done so, inclines his mind to the phenomenon [dhamma] of deathlessness: "This is peace, this is exquisite — the resolution of all fabrications; the relinquishing of all acquisitions; the ending of craving; dispassion; stopping; Unbinding." Staying right there, he reaches the ending of the effluents. Or, if not, then — through this very Dhamma-passion, this very Dhamma-delight, and from the total ending of the first five Fetters — he is due to be reborn [in the Pure Abodes], there to be totally unbound, never again to return from that world. [Similarly with each of the remaining levels of jhāna.]'
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As the text makes clear, Stream-winners and Once-returners are those who have fully developed virtue, Non-returners are those who have fully developed virtue & concentration, and Arahants are those who have fully developed all three parts of the path: virtue, concentration, & discernment.
This is not to say, however, that Stream-winners have not developed discernment to a fairly high degree. In fact, the unvarying definition of Stream-winners is that they have 'seen with discernment,' and their level of Awakening is called the arising of the Dhamma eye. What they see with this Dhamma eye is always expressed in the same terms:
Then Ven. Assaji gave this exposition of Dhamma to Sāriputta the Wanderer:
'Whatever phenomena arise from a cause:
their cause
& their cessation.
Such is the teaching of the Tathāgata,
the Great Contemplative.'
Then to Sāriputta the wanderer, as he heard this exposition of Dhamma, there arose the dustless, stainless Dhamma eye: Whatever is subject to origination is all subject to cessation.
— Mv 1.23.5
— MN 64
http://www.accesstoinsight.org/lib/auth ... e/2-4.html