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