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11 Be wise, my son, and bring joy to my heart,
so that I may answer anyone who taunts me.
12 A sensible person sees trouble and hides,
but naïve people keep going and pay the penalty.
13 Take the garment of someone who guarantees a loan for a stranger.
Keep it when someone pledges it on behalf of an immoral woman.

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11 Be wise, my son, and bring joy to my heart;(A)
    then I can answer anyone who treats me with contempt.(B)

12 The prudent see danger and take refuge,
    but the simple keep going and pay the penalty.(C)

13 Take the garment of one who puts up security for a stranger;
    hold it in pledge if it is done for an outsider.(D)

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