I stopped loaning out tools a long time ago. I think 1 in every 10 experiences was acceptable. I finallly stopped when there were a few times when the knucklehead I loaned the tool to decided to reloan it out to someone else, incredible eh?! BTW, did you ever notice how the guy who lost his tape measure and hasn't had time to buy a new one managed to get to the package store for a six-pack with no delay.
Andy