By English Tutor:
Borrow and lend. I want to repeat this because I still come across quite a bit of confusion. The one who uses borrow in a sentence is the one who is obtaining something. The recipient of something is borrowing from another.
The giver of something is lending it to someone.
Who and whom.
Whom is rarely used in spoken English as it sounds rather formal. In writing you need to remember to use who when referring to the subject of the verb and whom when referring to the object of the verb or after a preposition.
E.g. this is the woman who saw me at the station.
This is the woman whom I saw at the station.
To whom does this story refer?
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