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12 There is a grievous evil that I have seen under the sun:

Riches are hoarded by their owner to his disadvantage,
13 or riches are lost by some misfortune,
    so that he has nothing remaining to leave to his son.
14 Just as he came forth naked from his mother’s womb,
    so shall he depart, naked as he came,
with nothing remaining from his labor
    that he can carry away in his hands.

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