1. Can I borrow a pencil?

a. Sorry, I haven't a pencil.

b. If I have an extra one, I will lend to you.

2. Do you like wearing fashionable cloth?

a. No, I don't like wearing cloth.

b. They're usually more expensive than regular cloth.

1번은 둘 다 뜻이 맞는것 같고, 2번은 a같긴 한데 문맥상 b로도 받아칠 수 있을것 같긴 한데

뭐가 정답이죠? ㅠ