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12 The prudent see danger and hide,
but the naïve keep going and pay the penalty.

13 Take a man’s garment, who puts up security for a stranger,
and hold it in pledge, as security for a seductive woman.

14 If someone blesses his friend with a loud voice early in the morning,
it will be taken as a curse.

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

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

14 If anyone loudly blesses their neighbor early in the morning,
    it will be taken as a curse.

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