¹⁴ 
Where there is no [wise, intelligent] guidance, the people fall [and go off course like a ship without a helm],
But in the abundance of [wise and godly] counselors there is victory.
¹⁵ 
He who puts up security and guarantees a debt for an outsider will surely suffer [for his foolishness],
But he who hates (declines) being a guarantor is secure [from its penalties].
¹⁶ 
A gracious and good woman attains honor,
And ruthless men attain riches [but not respect].