commercially prudent

It's easy to be smart after the fact. It's easy to be wise after the event, a wise old owl be reasonable better off commonsense deep discerning discrimination enlightened fall into the trap of doing sth have a good head on your shoulders have one's wits about one have the decency, good sense, etc. to do sth have your head screwed on

الذكاء والفطنة والإبداع