OWETO

A debt...we ___ Adam: Twain

• ... a debt... we ___ Adam: Twain

• ... debt of gratitude we ___ Adam (Mark Twain)

• All that I am I ___ thee (Psalms)

• Arise from

• Be a debtor of

• Be beholden

• Consider responsible for

• Have a loan from

• Have an outstanding loan from

• Have as a creditor

• Have because of

• Have by dint of

• Have credit from

• Have on account of

• Must give

• Must pay*

• Must repay