Careful on using "lo". You will use "l'" on feminine and masculine words beginning with a vowel. You will use "il" if the masculine word starts with a consonant. Take note that some masculine words are a exception to this rule if they begin with a consonant. This is where "lo" comes in. You will use "lo" only if the word starts with z, x, gn, pn, ps, and s+consonant.