11 (A)Be wise, my son, and make my heart glad,
So that I may (B)reply to one who taunts me.
12 A prudent person sees evil and hides himself;
But the naive proceed, and pay the penalty.
13 (C)Take his garment when he becomes a guarantor for a stranger;
And for a foreign woman seize a pledge from him.

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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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