| A | B |
| no free lunch | everything has a cost |
| a safety net | something (often money saved) to get you through a hard time |
| the early bird catches the worm | you need to start work early to accomplish the task |
| a priori | before the fact |
| ad hoc | for this purpose |
| ad nauseam | to the point of nausea; repeatedly; endlessly |
| modus operandi (also M.O.) | way of doing something; method; procedure |
| per se | by itself |
| pro forma | made or done in a routine manner |
| quid pro quo | this for that (you do something for me and I'll do something for you) |
| verbatim | word for word; literally |
| If you give a man a fish, he eats for a day. If you teach a man to fish, he eats for a lifetime. | Teaching someone a skill is better than giving them a temporary handout. |