12. Hatred stirs up contentions, but love covers all transgressions.
13. On the lips of him who has discernment skillful and godly Wisdom is found, but discipline and the rod are for the back of him who is without sense and understanding.
14. Wise men store up knowledge [in mind and heart], but the mouth of the foolish is a present destruction.
15. The rich man's wealth is his strong city; the poverty of the poor is their ruin. [Ps. 52:7; I Tim. 6:17.]
16. The earnings of the righteous (the upright, in right standing with God) lead to life, but the profit of the wicked leads to further sin. [Rom. 6:21; I Tim. 6:10.]