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If you have a quarter, could you lend (it/one) to me?

In the sentence above, which is correct, one or it?

Apple
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You need to use it, Apple. The reason is that you're talking about a specific quarter, so you need it, which represents a specific thing both the speaker and know about.

If the speaker says, "If you have any quarters, could you lend me ___?" then we'd use one in the blank because one doesn't stand for a specific thing, just the singular of whatever you're talking about.
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    Grammar Exchange    Grammar Exchange  Hop To Forum Categories  The Grammar Exchange  Hop To Forums  Questions and Answers    a quarter (a coin), one or it