Ratna-graiveya-cintaka-lola-muktaa-palanvita – The thirty second name in Lalitha Sahasranamam.
Ratna katicena Graiveyena cintakena lolaisca muktaphalaisca anvita
Neck encircled with gem bedecked pendants of the necklace and a pearl necklace quivering
This refers to two ornaments: Golden necklace having gem -bedecked pendants, and necklace of pearl.
Grivyameva cinta yesyam te graiveya cintakajhlolah muktaisca, tesam yani ratnabhutani aphalani taih anvia
Here the word graiveyacintaka means those who concentrate on the neck of the goddess; those who are not able to fix the deity in the heart but worship her externally are the middle class worshippers
The word Lola according to this interpretation means those who fickle. The Amarakosa says, Lola means fickle and greed these are the lowest worshippers
The muktas are the highest worshippers
In all these three classes the fruit is to be obtained according to the worship and She is the giver of the fruit to her worshippers.
She is wearing a gems embedded golden pendent and a pearl necklace. These ornaments are dangling in her neck. The dangling of these ornaments is compared to mind. Those who are not capable of meditating Her full form (head to foot) are said to be low class devotees and called as lolas. Those who are able to meditate on Her full form are said to be high class devotees and called as muktas. Lolas or muktas get the benefits (pala) of their prayers according to their category. This is the meaning of lola-mukta-palanvita. While worshipping her, we have to keep our mind steady, without distractions.