“Cold & cunning come from the north: But cunning sans wisdom is nothing worth,” is a quote that talks about the characteristics associated with different geographical locations and the values attached to them. Franklin uses the metaphor of the “north” to represent a place where people are known for their cold and cunning nature. However, he emphasizes that cunning, or the ability to achieve one’s goals through deceit or evasion, is worthless without wisdom.

Wisdom here is used to represent the understanding of what is true, right, or lasting. It involves deep insight, good judgment, and a sense of morality. Thus, Franklin suggests that cunningness, even if it’s a useful trait for survival or achieving short-term goals, holds no real value if it is devoid of wisdom. The cunningness may help one to navigate through life’s challenges, but without wisdom, the choices made may not be ethical, moral, or beneficial in the long run.

In today’s world, this quote can be applied in various contexts. For instance, in the corporate world, businesses often employ cunning strategies to outsmart competitors and maximize profits. However, without wisdom – understanding the long-term impacts of their actions on society, the environment, and future generations – such strategies can lead to destructive consequences.

In terms of personal development, this quote teaches the importance of wisdom over cunningness. It encourages individuals to cultivate wisdom – to understand the difference between right and wrong, to make decisions that are not just beneficial in the short-term but also in the long run, and to act in ways that are ethical and moral. It reminds us that being clever or cunning is not the ultimate goal, but being wise is. It also warns us about the emptiness or hollowness of achievements that are based purely on cunningness without any wisdom.