1. A shem tov is rather to be desired than osher rav, and chen (grace) rather than kesef and zahav.
2. The oisher (rich man) and the rahsh (pauper) have this in common: Hashem is the Oseh (Maker) of them all.
3. A prudent man foreseeth the ra'ah, and hideth himself, but the naïve trudge on, and are punished.