Couldn't find the exact phrasing of that Franklin one, but it goes something like:
"Be prepared for the worse; if it happens, you're not caught by surprise; if the worse doesn't happen, then every other result will be a pleasant one."
I think among the best business quotes I know of are:
"Adapt, adapt, adapt."
and
"In Chinese the pictogram for 'Crisis' is the same as 'Opportunity'."
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