Verse 12
"A prudent man seeth evil and hideth himself; But the simple pass on and suffer for it. Take his garment that is surety for a stranger; And hold him in pledge that is surety for a foreign woman."
Proverbs 27:12 is the equivalent of Proverbs 22:3, and Proverbs 27:13 is the same as Proverbs 20:16. See comments there.
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