Answer:
What is often returned, but never borrowed/
Who is that with a neck and no head, two arms and no hands? What is it?
What do you purposefully put lots of in and on your body, but run away from when you encounter it outside?
I wear a red robe, with staff in hand, and a stone in my throat.
What has two hands, a round face, always runs, but stays in place?
What never gets any wetter no matter how hard it rains?