Answer:
What does a stone become when in the water?
It's been around for millions of years, but it's no more than a month old. What is it?
How can a pants pocket be empty and still have something in it?
What is often returned, but never borrowed?
There is a woman in a boat, on a lake, wearing a coat. If you want to know her name, it’s in the riddle I just wrote. What’s the woman’s name?
Walk on the living, they don't even mumble. Walk on the dead, they mutter and grumble.