1. We need to talk...
2. The boss wants to see you now.
3. I've had a bit of an accident.
4. Can I borrow your credit card?
5. There's a leak (upstairs/in the bathroom etc).
6. Did you remember my birthday?
7. I've got something to tell you.
8. You know that (tenner/car/lawnmower etc) that you lent me?
9. You haven't forgotten we're going out tonight?
10. Now I know it looks bad, but...