12It is foolish to despise others; those who ◄have good sense/are wise► do not say anything to criticize others.
13Those who ◄spread gossip/tell bad things about others► will tell your secrets to others, but if there is someone whom you can trust, you can trust him to not tell your secrets to others.
14A nation will be destroyed/ruined if it does not have leaders who guide it wisely; but if there are many good advisors, the nation remains secure.
15If you promise a stranger that you will pay his debt if he cannot pay it himself, you will regret it. You will be safe if you refuse to guarantee that you will pay someone else's debts.