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We use this expression to say that someone can do something, but we perhaps prefer them not to do it.
Written: No
Spoken: Yes
Formal: No
Informal: Yes
Example 1
I've left my dictionary at home. Can I borrow yours?
If you must. But I need it again in about an hour, OK?
Example 2
Do you mind if I open the window - it's stuffy in here.
If you must. But I've got a cold, so just for 10 minutes.
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