Stop assuming the Name will only work once you have finally understood it correctly. Gurudev says there is a power that does not depend on your intelligence at all — just like fire, which burns the one who has studied its nature and the child who reaches for the flame knowing nothing about it, exactly the same way. So it is with the Holy Name: it does not ask for a diploma in understanding before it reveals itself. Here is your hand with its beads — bring it to the Name as simply as a child brings a palm toward a glowing flame, without waiting for the mind's permission.