I had forgotten my umbrella at work. Now I’m soaking wet., If I hadn't forgotten my umbrella, I wouldn't be soaking wet., Bill lost all his money on the stock exchange. That’s why he is in debt now., If Bill hadn’t lost …, he wouldn’t be in debt now., She can’t use her credit card today. The bank blocked it due to suspicious purchases., She could use her credit card if the bank hadn’t blocked it., Paul and Marie aren’t at the party. They weren’t invited., Paul and Marie would be at the party if they had been invited., Helen speaks French fluently because she lived in Paris for eight years., Helen wouldn’t speak French fluently if she hadn’t lived in Paris for 8 years., He didn’t take the medication as prescribed yesterday, so he is sick now., If he had taken the medication, he would not be sick now..

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