New International Version - UK
12 Hatred stirs up conflict,
but love covers over all wrongs.
13 Wisdom is found on the lips of the discerning,
but a rod is for the back of one who has no sense.
14 The wise store up knowledge,
but the mouth of a fool invites ruin.
15 The wealth of the rich is their fortified city,
but poverty is the ruin of the poor.