when to use -나요- form vs. (어/아)요 I have a terrible Korean phrase book. How do I know it's bad? Every time I show it to a Korean native speaker, they laugh!! Anyway, most questions it poses such as do you know this, or where is this, always end in 나요 but I rarely hear it used... e.g. 여기서 사시나요? Do you live here? 은행 어디 있나요? Where is the bank? I realize that saying 살아요? and 있어요? mean the same thing but in what colloquial situation would you use the 나요 form?  I want to sound more natural. Do native speakers ever use this form to ask questions to waiter/waitress or sales clerk?