Proverbs 27:11-13

The Voice

¹¹ Study to be wise, my son, and make my heart glad,
    for then your life will be my answer to anyone who hurls insults.
¹² The astute see evil coming and take shelter,
    but the stupid plow right on and then, of course, have to pay the price.
¹³ If someone guarantees a stranger’s debt, hold his garment as collateral;
    if that guarantee is for the debt of a foreigner, make sure you get a deposit.