1. When misfortunes gather, stinginess is the worst
And worse than stinginess are false promises and procrastination

2. No good comes from a promise that is a lie
No good comes from words not followed by action

3. If you have knowledge but lack wisdom
You are like a sandal with no foot

4. And if you have wisdom but lack knowledge
You are like a foot with no sandal

5. Know that man is but a sheath for his intellect
Of no use is a sheath without a blade