¹⁴ “If a man borrows an animal from his neighbor, and the animal is hurt or dies, then the neighbor must pay the owner for the animal. The neighbor is responsible, because the owner was not there himself.

¹⁵ But if the owner was there, then the neighbor does not have to pay. Or if the neighbor was paying money to use the animal for work, he will not have to pay if the animal dies or is hurt. The money he paid to use the animal will be enough payment.