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Many borrowers ask for a loan
    and cause trouble for those who help them.
Till he gets a loan, he kisses the lender’s hand
    and speaks softly of his creditor’s money,
But at time of payment, delays,
    makes excuses, and finds fault with the timing.
If he can pay, the lender will recover barely half,
    and will consider that a windfall.
If he cannot pay, the lender is cheated of his money
    and acquires an enemy at no extra charge;
With curses and insults the borrower will repay,
    and instead of honor will repay with abuse.
Many refuse to lend, not out of meanness,
    but from fear of being cheated needlessly.

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18 Those without sense give their hands in pledge,
    becoming surety for their neighbors.(A)

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