Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

释义：用兵的方法，以攻破敌人心理防线为上策，攻破城池为下策。

在石油和天然气行业，效率和责任必须齐头并进。