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Borrowed time is more commonly referred to as rubato. Rubato refers to slight speeding up and slowing down of a musical phrase, normally the performer would accelerate slightly towards the middle of a phrase and slow down a little towards the end of a phrase.
It is most common within classical Romantic music and should be used very sparingly in earlier periods.
For more info on Music Theory I have a blog at http://www.exam-accompaniment.co.uk
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