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--- en:grammar:future:the_future_perfect_simple_and_continuous [2016/12/15 11:08] – [Uses of the present perfect simple] tania
+++ en:grammar:future:the_future_perfect_simple_and_continuous [2023/02/14 14:32] (current) – external edit 127.0.0.1
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 ======The future perfect simple and continuous======
 =====Introduction=====
-<html><p><img height="127" id="84" style="width: 112px; height: 88px;" alt="Image" src="http://www.e-exercises.com/img/bibliotheque/84_9a24c45826141bb416965346e113d2fe.jpg">&nbsp;&nbsp; <span lang="EN-GB" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: "Times New Roman"; mso-bidi-language: AR-SA;'><strong>That area <span style="color: rgb(0, 0, 204);">will have been cleared</span> before the new construction begins.</strong></span></p> <p><span lang="EN-GB" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: "Times New Roman"; mso-bidi-language: AR-SA;'></span><img height="182" id="1444" style="width: 59px; height: 93px;" alt="Image" src="http://www.e-exercises.com/img/bibliotheque/1444_3d5c55b1eee80d1058448b5891a6ef19.jpg"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>Jim <span style="color: rgb(0, 0, 204);">will have been working</span> for the company for 20 years next week. </span></b><b><span lang="EN-GB" style='font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>The company is giving him a gold watch.&nbsp;</span></b><br>&nbsp;</p></html>
+<html><p><img height="127" id="84" style="width: 112px; height: 88px;" alt="Image" src="http://www.e-exercises.com/img/bibliotheque/84_9a24c45826141bb416965346e113d2fe.jpg">&nbsp;&nbsp; <span lang="EN-GB" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: "Times New Roman"; mso-bidi-language: AR-SA;'><strong>We <span style="color: rgb(0, 0, 204);">will have cleared</span> that area before the new construction begins.</strong></span></p> <p><span lang="EN-GB" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: "Times New Roman"; mso-bidi-language: AR-SA;'></span><img height="182" id="1444" style="width: 59px; height: 93px;" alt="Image" src="http://www.e-exercises.com/img/bibliotheque/1444_3d5c55b1eee80d1058448b5891a6ef19.jpg"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>Jim <span style="color: rgb(0, 0, 204);">will have been working</span> for the company for 20 years next week. </span></b><b><span lang="EN-GB" style='font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>The company is giving him a gold watch.&nbsp;</span></b><br>&nbsp;</p></html>
 =====Definition=====
 <html><p style="margin: 0cm 0cm 0pt;"><b><span lang="EN-GB" style='line-height: 115%; font-family: "Arial","sans-serif";'>The future perfect simple&nbsp;</span></b><b><span lang="EN-GB" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>is sometimes referred to as 'the past in the future' as it is used to talk about an action or event from a future viewpoint. <span style="color: rgb(0, 176, 80);"></span></span></b></p><p style="margin: 0cm 0cm 0pt;"><br></p><p style="margin: 0cm 0cm 0pt;"><strong><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>The future perfect continuous </span></strong><span lang="EN-GB" style='font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'><b>is used to talk about an action that will continue up to a specified future time.&nbsp;</b></span>&nbsp;<br>&nbsp;</p></html>
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 =====Casual speech =====
 <html><P style="LINE-HEIGHT: normal; MARGIN: 0cm 0cm 0pt"><B><SPAN style="FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB" lang=EN-GB>There is a second contracted form which is considered very informal and should only be used in informal spoken English:</SPAN></B></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>I'</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>'</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>You'</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>'</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>He'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>She'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></SPAN></SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>It'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></SPAN></SPAN></SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>We'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></SPAN></SPAN></SPAN></SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>They'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ll</SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB><FONT color=#000000>'</FONT></SPAN><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; COLOR: #0000cc; mso-fareast-language: EN-US; mso-fareast-font-family: 'Times New Roman'; mso-bidi-language: AR-SA" lang=EN-GB>ve</SPAN></SPAN></SPAN></SPAN></SPAN></SPAN></STRONG></P> <P>&nbsp;</P> <P><STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB" lang=EN-US><FONT color=#000000>In <U>formal</U> conversations or formal writing, use the <U>full form</U>.</FONT></SPAN></STRONG></P> <P><STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB" lang=EN-US></SPAN></STRONG><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB" lang=EN-US><FONT color=#000000>In <U>informal</U> conversations or informal writing, use the <U>contracted form</U>. </FONT></SPAN></STRONG></P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB" lang=EN-US></SPAN></STRONG>&nbsp;</P> <P><STRONG><SPAN style="LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-language: EN-GB" lang=EN-US></SPAN></STRONG>&nbsp;</P></html>
-=====Uses of the present perfect continuous=====
+=====Uses of the future perfect continuous=====
 <html><table style="border: currentColor; border-image: none; border-collapse: collapse; mso-border-alt: solid #4F81BD 1.0pt; mso-yfti-tbllook: 1184; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt;" border="1" cellspacing="0" cellpadding="0" table=""><tbody><tr style="mso-yfti-irow: 0; mso-yfti-firstrow: yes;"><td width="308" valign="top" style="background: rgb(79, 129, 189); border-width: 1pt medium 1pt 1pt; border-style: solid none solid solid; border-color: rgb(79, 129, 189) rgb(240, 240, 240) windowtext rgb(79, 129, 189); padding: 0cm 5.4pt; width: 231.05pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-left-alt: solid #4F81BD 1.0pt; mso-border-bottom-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: white; font-family: "Arial","sans-serif";'>Uses</span></b></p></td><td width="308" valign="top" style="background: rgb(79, 129, 189); border-width: 1pt 1pt 1pt medium; border-style: solid solid solid none; border-color: rgb(79, 129, 189) rgb(79, 129, 189) windowtext rgb(240, 240, 240); padding: 0cm 5.4pt; width: 231.05pt; mso-border-top-alt: solid #4F81BD 1.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid #4F81BD 1.0pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: white; font-family: "Arial","sans-serif";'>Examples</span></b></p></td></tr><tr style="mso-yfti-irow: 1;"><td width="308" valign="top" style="border-width: medium medium 1pt 1pt; border-style: none none solid solid; border-color: rgb(240, 240, 240) rgb(240, 240, 240) windowtext windowtext; padding: 0cm 5.4pt; width: 231.05pt; background-color: transparent; mso-border-top-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-bottom-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>&nbsp;</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>To talk about an action that will continue up to a specified future time. <span style="mso-bidi-font-weight: bold;"></span></span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: rgb(0, 176, 80); font-family: "Arial","sans-serif"; font-size: 12pt;'>&nbsp;</span></b></p></td><td width="308" valign="top" style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: rgb(240, 240, 240) windowtext windowtext rgb(240, 240, 240); padding: 0cm 5.4pt; width: 231.05pt; background-color: transparent; mso-border-top-alt: solid windowtext .5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>&nbsp;</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>By this time next week </span></b><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>I<span style="color: rgb(0, 0, 204);">'ll have been travelling</span><span style="color: black;"> for three days.</span></span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>&nbsp;</span></b></p></td></tr><tr><td width="308" valign="top" style="border-width: medium medium 1pt 1pt; border-style: none none solid solid; border-color: rgb(240, 240, 240) rgb(240, 240, 240) windowtext windowtext; padding: 0cm 5.4pt; width: 231.05pt; background-color: transparent; mso-border-top-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-bottom-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>&nbsp;</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>To talk about something that we assume is happening at the moment.</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>&nbsp;</span></b></p></td><td width="308" valign="top" style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: rgb(240, 240, 240) windowtext windowtext rgb(240, 240, 240); padding: 0cm 5.4pt; width: 231.05pt; background-color: transparent; mso-border-top-alt: solid windowtext .5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>&nbsp;</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>You should go home now; your parents </span></b><b><span lang="EN-GB" style='color: rgb(0, 0, 204); font-family: "Arial","sans-serif";'>will have been worrying </span></b><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>about you all day. </span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>&nbsp;</span></b></p></td></tr><tr style="mso-yfti-irow: 3;"><td width="308" valign="top" style="border-width: medium medium 1pt 1pt; border-style: none none solid solid; border-color: rgb(240, 240, 240) rgb(240, 240, 240) windowtext windowtext; padding: 0cm 5.4pt; width: 231.05pt; background-color: transparent; mso-border-top-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-bottom-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>&nbsp;</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>To talk about an action that we believe has been happening recently.<span style="mso-spacerun: yes;">&nbsp; </span>[It's not about the future.]<span style="mso-spacerun: yes;">&nbsp; </span></span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='font-family: "Arial","sans-serif";'>&nbsp;</span></b></p></td><td width="308" valign="top" style="border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: rgb(240, 240, 240) windowtext windowtext rgb(240, 240, 240); padding: 0cm 5.4pt; width: 231.05pt; background-color: transparent; mso-border-top-alt: solid windowtext .5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt;"><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>&nbsp;</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>Bankers </span></b><b><span lang="EN-GB" style='color: rgb(0, 0, 204); font-family: "Arial","sans-serif";'>will have been asking</span></b><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'> themselves if it was a good idea to relax the rules on mortgage lending or not.</span></b></p><p style="margin: 0cm 0cm 0pt; line-height: normal;"><b><span lang="EN-GB" style='color: black; font-family: "Arial","sans-serif";'>&nbsp;</span></b></p></td></tr></tbody></table><p>&nbsp;<b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>A 'specified future time' is often indicated with the use of 'by', examples:</span></b><b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>&nbsp;</span></b></p><p class="ListParagraphCxSpFirst" style="margin: 0cm 0cm 0pt 36pt; text-indent: -18pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: Arial;'><span style="mso-list: Ignore;">-<span style='font: 7pt/normal "Times New Roman"; font-size-adjust: none; font-stretch: normal;'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>by Wednesday</span></b></p><p class="ListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; text-indent: -18pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: Arial;'><span style="mso-list: Ignore;">-<span style='font: 7pt/normal "Times New Roman"; font-size-adjust: none; font-stretch: normal;'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>by three o'clock</span></b></p><p class="ListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; text-indent: -18pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: Arial;'><span style="mso-list: Ignore;">-<span style='font: 7pt/normal "Times New Roman"; font-size-adjust: none; font-stretch: normal;'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>by the time he gets here</span></b></p><p class="ListParagraphCxSpLast" style="margin: 0cm 0cm 0pt 36pt; text-indent: -18pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB; mso-fareast-font-family: Arial;'><span style="mso-list: Ignore;">-<span style='font: 7pt/normal "Times New Roman"; font-size-adjust: none; font-stretch: normal;'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'>by this time next year</span></b></p><p class="ListParagraphCxSpLast" style="margin: 0cm 0cm 0pt 36pt; text-indent: -18pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><b><span lang="EN-US" style='line-height: 115%; font-family: "Arial","sans-serif"; mso-fareast-language: EN-GB;'></span></b><br></p></html>
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