¹¹ Stay outside and let the neighbor to whom you are making the loan bring the pledge out to you. ¹² If the neighbor is poor, do not go to sleep with their pledge^(A) in your possession. ¹³ Return their cloak by sunset^(B) so that your neighbor may sleep in it.^(C) Then they will thank you, and it will be regarded as a righteous act in the sight of the Lord your God.^(D)