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14 Without clever tactics an army is defeated,
    and victory comes from much planning.

15 He who guarantees a loan for a stranger will suffer,
    but refusing to underwrite is safe.

16 A gracious woman obtains honor;
    aggressive men obtain wealth.

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14 For lack of guidance a nation falls,(A)
    but victory is won through many advisers.(B)

15 Whoever puts up security(C) for a stranger will surely suffer,
    but whoever refuses to shake hands in pledge is safe.(D)

16 A kindhearted woman gains honor,(E)
    but ruthless men gain only wealth.

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