• The most trifling actions that affect a man's credit are to be regarded. The sound of your hammer at five in the morning, or at nine at night, heard by a creditor, makes him easy six months longer; but if he sees you at the billiard-table, or hears your voice at a tavern, when you should be at work, he sends for his money the next day.

    Benjamin Franklin, Henry Stueber (1823). “The Life of the Late Dr. Benjamin Franklin, Written by Himself: Together with a Number of His Humorous, Moral, and Literary Essays, Chiefly in the Manner of The Spectator”, p.177
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