The trial court found that the vehicle was not owned by CLI, and we held that that finding is supported by substantial evidence. We also held, however, that the trial court erred in concluding that the endorsement provided coverage without making a specific finding about whether the vehicle was borrowed by CLI.
Plaintiff contends that, in reaching our decision, we relied on an uncorrected transcript and that the corrected transcript, which should have been but was not a part of the record on appeal, shows that the trial court did in fact make a finding that the vehicle was not borrowed. We quote the pertinent portion of the transcript, with the erroneous portions emphasized and the corrections in brackets:
‘ ‘The most difficult problem has to do with the question of whether the corporation borrowed the vehicle from Mr. Casserly. And one of the things I can’t help but note is that the — if the exclusions from the category of non-owned vehicle set forth in Paragraph 4 are to be taken literally where the policy becomes, or the endorsement rather becomes meaningless, on the whole [I hold] according with the literal language that it is a non-owned vehicle within the meaning of the policy and that the exclusions from the definition of non-owned and borrowed vehicle does not apply in this case because of the frequency of the use by the corporate issued [insured] in this business.”
We agree that the corrected transcript shows that the trial court found and held more than it appeared to us to have done in the uncorrected version. According to plaintiff, it shows that the court reasoned that the vehicle was used too frequently hy CLI to be considered borrowed. If that was the court’s reasoning, it was mistaken.
As we said in our first opinion, quoting Webster’s Third New International Dictionary 256 (1971), “to borrow” is to receive temporarily, “implying or expressing the intention either of returning the thing received or of giving its equivalent to the lender.”