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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.
14 Anyone who blesses his neighbor with a loud voice
    early in the morning,
    will find his blessing regarded 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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