Question: I don't understand the difference between "sa iyo" and

sa = location or direction marker, to, from, in, on, etc sa part. non-focus locative phrase markersa iyo/ sa'yo / iyo = to you, your, yours (singular),(commonly used in informal convos BUT can still also use in formal)sa inyo = lit. "To you (all), yours ( singular & plural polite) = use this to people older or has higher status than you and you can also use this to stranger(regardless of age) if you want to be respectful. )ex: 1. "sa'yo ba 'to?" - "is this yours?"(casual)
2. "sa inyo po ba ito?" - "is this yours?" (polite)

Thank you very much!!