Rachel: I know it's in the apartment, but I definitely lost it.
Phoebe: What am I going to tell Monica? She wants to wear them tonight.
Rachel: Tell her to wear her own earrings.
Phoebe: These are her earrings.
Rachel: No. No. You lent Monica's earrings? I'm not allowed to borrow her stuff.
Phoebe: Why not?
Rachel: Because I lose her stuff!