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What is the difference between the words vernacular and colloquial? Is vernacular closer to jargon?

A quick search reveals that colloquial refers to informal spoken language while vernacular refers to some sort of native language of a place. Is that the only difference?

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The Vernacular refers to the native language of a person/persons, and has established norms. A colloquialism refers to an informal way of speaking. Technically, a colloquialism exists within a vernacular (because everyone has a mother language and that language will have colloquialisms). Another difference is that "vernacular" refers to a language, while "colloquialism" refers mainly to individual words.

A colloquialism is a type of informal word used for fast speech: gonna instead of going to, wanna instead of want to, kid instead of child (in an instance where the speakers know they are not referring to young goats instead), coke instead of coca-cola, etc.

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