YOU SAW A SHIRT FOR $97. YOU DIDN’T HAVE THE CASH, SO YOU BORROWED $50 FROM YOUR MOM AND $50 FROM YOUR DAD $50 + $50 = $100. YOU BOUGHT THE SHIRT, AND HAD $3 CHANGE. YOU GAVE YOUR DAD $1 AND YOUR MOM $1 AND KEPT THE OTHER $1 FOR YOURSELF. NOW YOU OWE YOUR MOM $49 AND YOUR DAD $49. S49+S49 =