Answer:
What is often returned, but never borrowed/
It is more feared than fear itself, And no one can escape it. It takes no sides and does not judge, it does not know to hold a grudge. It is the most clearest result, Of how life beats you by default.
White fat and fluffy, May even look like a puppy. Seems heavy but is light, Floats about without a worry, But if it turns dark you have to hurry!
RUGBY = 9, TENNIS = 14, FOOTBALL = 12, HOCKEY = 16, SWIMMING = ?
A type of hammer that brings a room to order.
I can only be played on a windy day