A:  What’s wrong? You took worried.
B:  I am, but I’ve only got myself to blame. If I (0) (spend) so much money,
     I (1) (have) such a big credit card bill to pay next month.

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A:  Is Lars a careful driver?
B:  No, he isn’t. If he (2) (be), he (3) (have) that nasty accident
     last month. And if he (4) (have) better insurance then, his car (5) (be)
     in the garage at this moment. As it is, he can’t afford to have it repaired.

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A: Are we nearly at Lan and Jinhai’s house?
B: No, we’ve still got a long way to go. But if we (6) (leave) an hour earlier,
    we (7) (be) nearly there now.
A: I am sorry, but if you (8) (tell) me yesterday that you wanted to leave at eight,
    I (9) (set) my alarm for seven.
B: How was I to know that you get up so late in the mornings?

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A: How are things?
B: They have been better. I am on a diet and I joined a fitness center last week.
    If I (10) (begin) the diet and joined the centre six months ago,
    I (11) (weigh) so much now and I (12) (be) also a lot fitter.