- In modern business it is not the crook who is to be feared most, it is the honest man who doesn't know what he is doing.
- Also, and more plausibly, attributed to the American businessman Owen D Young.
- Life is divided into three terms - that which was, which is, and which will be. Let us learn from the past to profit by the present, and from the present to live better in the future.
- To begin, begin.
- Also attributed to Peter Nivio Zarlenga.