12. He that is devoid of lev [of understanding] despiseth his re'a, but an ish tevunot holdeth his peace.
13. A bringer of rekhil (gossip, rekhilut) revealeth sod (secrets, confidences), but he that is of a ne'eman ruach concealeth the matter.
14. Where no strategic policy is, the nation falls, but in the multitude of yoetz (counsellors, advisors) there is teshu'ah (victory, safety).
15. He that is guaranty for a zar shall suffer for it, and he that hateth pledging collateral is secure.
16. An eshet chen retaineth kavod (honor, respect), but ruthless men retain osher.
17. The ish chesed (merciful man) doeth good to his own nefesh, but he that is cruel harmeth his own self.
18. The reshah worketh a wage of sheker, but to him that soweth tzedakah (righteousness) shall be a sachar emes (sure reward).
19. As tzedakah (righteousness) leadeth to Chayyim, so he that pursueth ra'ah pursueth it to his own mot (death).
20. They that are of a perverse lev are an abomination to Hashem, but such as are upright in their derech are His delight.
21. Though yad join in yad, the rah shall not go unpunished, but the zera of the tzaddikim shall be delivered.