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