12. He who lacks sense belittles his neighbor, but a person of intelligence will remain silent.
13. A gossip walks about telling a secret, but the trustworthy in spirit keeps the matter.
14. Where there is no guidance, a nation shall fall, but there is safety in an abundance of counsel.
15. He will suffer trouble when he loans to a stranger, but he who refuses a pledge is safe.
16. A woman of grace receives honor, but the ruthless gets wealth.
17. A person of kindness rewards himself, but a cruel person harms his own flesh.
18. The wicked earns deceptive gain, but he who sows righteousness, a true reward.