New American Bible makes a division of the chapter at this point rather than at verse 21 or verse 27 as most other versions do. It heads this division “Attitude toward Fellow Men.”
“Do not be afraid of sudden panic”: “Sudden” describes an event that happens without warning. It comes as a complete surprise. New English Bible changes the vowels of the word translated “sudden” to get “fools,” and this is continued by Revised English Bible. However, Hebrew Old Testament Text Project gives the Hebrew text an “A” rating and supports Revised Standard Version. “Panic” translates the same root as “afraid” in verse 24. The sense is sudden fear, fright, terror. The nature of this fright is not stated, but it may be understood from the second line. Good News Translation and Contemporary English Version call this “sudden disasters.” Biblia Dios Habla Hoy has “sudden dangers.”
“Or of the ruin of the wicked when it comes”: “Ruin” renders a word that can mean a storm or disaster. See Revised Standard Version footnote. “Ruin of the wicked” means the storm or disaster that destroys wicked people. New Revised Standard Version says “the storm that strikes the wicked.” Good News Translation uses a comparison: “disasters, such as come on the wicked like a storm.”
Quoted with permission from Reyburn, William D. and Fry, Euan McG. A Handbook on Proverbs. (UBS Helps for Translators). New York: UBS, 2000. For this and other handbooks for translators see here .

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