12. For chochmah is a protective tzel (shade), and kesef is as well; but the advantage of da'as is, that chochmah giveth chayyim (life) to them that possess it.
13. Consider the ma'aseh HaElohim; for who can make straight what Hashem hath made crooked?
14. In the yom tovah be joyful, but in the yom ra'ah consider: HaElohim also hath set the one over against the other in such a way that adam may not find out anything that will come after him.
15. All things have I seen in the yamim of my hevel; there is a tzaddik that perisheth in his tzedakah, and there is a rasha that prolongeth his life in his ra'ah.
16. Do not be over much the tzaddik nor over much the chacham; why cause thyself desolation?