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12 A prudent man foreseeth ra’ah, and hideth himself; but the naïve ones trudge on, and are punished.

13 Take his beged (garment) that is collateral for a zar; seize the pledge given for surety for a nokhriyah (strange woman, foreign woman, seductress).

14 He that maketh a bracha on his re’a (friend) with a kol gadol (loud voice), rising early in the boker, it shall be counted a kelalah to him.

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