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11 My son, be wise, and make my heart glad,
    that I may answer him who reproaches me.

12 A prudent man foresees the evil and hides himself,
    but the simple pass on and are punished.

13 Take his garment that is security for a stranger,
    and take a pledge of him for an adulterous 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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