You'd be doing him a favor by telling him the truth. Just say- I take very good care of my books, and I notice that you tend to be very rough on books. Therefore, I really would prefer not to lend you mine. If you can say that, you'll also be getting good practice for the future- when you...
The problem is to assign the following numbers to the correct rows: 16, 14, 38
0 6 8 9 3
15 27 21 10 19
7 1 47 11 17
hint: This is not a mathematical problem. The numerical values are irrelevant