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I studied it during my English lessons at school... some words beginning with h allow an. For example I know that an hour isn't wrong.
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The point was that the 'h' in 'hour' is silent but the 'h' in 'horrible'
is pronounced. So you would say "An hour' and 'A horrible".
For what it's worth, I pronounce the word 'mall' rhyming with 'shawl' but usually call them shopping centres anyway. I am shocked and horrified that anyone on the planet uses the pronunciation 'Garridge'.