I was having dinner at a restaurant when Tony Steele came in. Tony worked in a lawyer's
office years ago, he is now working at a bank. He gets a good salary, but he always borrows
money from his friends and never pays it back. Tony saw me and sat at the same table.
He has never borrowed money from me. While he was eating, I asked him to lend twenty pounds.
To my surprise, he gave me the money immediately. I have never borrowed any money from you,
Tony said, so now you can pay for my dinner!