The vast expressive power of language is made possible by two principles: t
he arbitrary sound-meaning pairing underlying words, and the discrete combi
natorial system underlying grammar. These principles implicate distinct cog
nitive mechanisms: associative memory and symbol-manipulating rules. The di
stinction may be seen in the difference between regular inflection (e.g., w
alk-walked), which is productive and open-ended and hence implicates a rule
, and irregular inflection (e.g., come-came, which is idiosyncratic and clo
sed and hence implicates individually memorized words. Nonetheless, two ver
y different theories have attempted to collapse the distinction; generative
phonology invokes minor rules to generate irregular as well as regular for
ms, and connectionism invokes a pattern associator memory to store and retr
ieve regular as well as irregular forms. I present evidence from three disc
iplines that supports the traditional word/rule distinction, though with an
enriched conception of lexical memory with some of the properties of a pat
tern-associator Rules, nonetheless, are distinct from pattern-association,
because a rule concatenates a suffix to a symbol for verbs, so it does not
require access to memorized verbs or their sound patterns, but applies as t
he 'default', whenever memory access fails. I present a dozen such circumst
ances, including novel, unusual-sounding, and rootless and headless derived
words, in which people inflect the words regularly (explaining quirks like
Pied out, low-lifes, and Walkmans). A comparison of English to other langu
ages shows that contrary to the connectionist account, default suffixation
is not due to numerous regular words reinforcing a pattern in associative m
emory, but to a memory-independent, symbol-concatenating mental operation.