Present Perfect...

______________ our mortgage last year and it is still in effect.

With test scores that low it is clear that ________________ the textbook.

Stock prices ________ since the September 11th attack.

The death of my mother was the most difficult thing _____________________

When ________________ the church choir?

___________________ to him on the telephone last month.

You____________to a thing the teacher said.

The reason I look so rested is that _______________ from holidays

___________________in a restaurant?

That 's the best example of classical guitar ______________