XXI: It's easy to get a loan unless you need it. XXII:

XXI:
It's easy to get a loan unless you need it.
XXII:
If stock market experts were so expert, they would be buying stock,
not selling advice.
XXIII:
Any task can be completed in only one-third more time than is
currently estimated.
XXIV:
The only thing more costly than stretching the schedule of an
established project is accelerating it, which is itself the most
costly action known to man.
XXV:
A revised schedule is to business what a new season is to an athlete
or a new canvas to an artist.
-- Norman Augustine