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In page Loch:

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English borrowed the word separately from a number of loughs in the previous Cumbric language areas of Northumbria and Cumbria. Earlier forms of English included the sound /x/ as ⟨gh⟩ (compare Scots bricht with English bright). However, by the time Scotland and England joined under a single parliament, English had lost the /x/ sound. This form was therefore used when the English settled Ireland. The Scots convention of using ⟨ch⟩ remained, hence the modern Scottish English loch.[citation needed]