I would like to say its the time when vishnu will have fight with goddess lakshmi and come to Earth and its time when he will borrow lot of gold from kuber to get married to princess padamavathy after marriage when vishnu and padamavathy will visit mountain thirumala lakshmi will question her satitva and seeing this vishnu would not be able to answer and turn into stone ( known as venkestwara) padamavathy would run down the hill crying and turn in stone .Its said the day vishnu will clear his debt towards kuber his idol will vanish so is his wife padamavathy and its the time when kalki tenth avatar of vishnu will come to Earth and he will be wearing safforan clothes holding safforan flag riding a unicorn horse