Past Perfect/과거완료

Franc: Someone stole my wallet last night.
Sheila: Oh no! What happened?
Franc: Well, I was working out, and I had put my stuff in my locker, just like I always do. When I came back, someone had stolen my wallet. I guess I’d forgotten to lock the locker.
Sheila: I’m sorry. That’s terrible! Did you lose much money?
Franc: Only about $20. But I lost my credit card and my driver’s license. What a pain!
Past perfect: use the past perfect for an event that occurred before
another event or time period in the past.
Past event/Past perfect event
I was working out,and I had put my wallet in my locker.
When I came back,someone had stolen my wallet.
They were able to steal it,because I had forgotten to lock the locker.
About how much did you spend on presents last year?
About how much do you usually spend each day?
Are you a price conscious shopper?
Are you good at saving money?
Are you saving money to buy something?
If so, what are you planning to buy?
How much will it cost?
How much longer will you need to save before you can buy it?
Do banks pay a higher percent of interest here or in your country?
Do you compare prices at different stores when you shop?
Do you enjoy shopping?
Do you ever buy second-hand things? ("used things")
Do you ever give money to charity?
How often do you give to charity?
How much do you give?
Do you gamble?
Do you give tips at a restaurant in your country? How about to taxi drivers?
Do you haggle when you shop ?
Do you have a credit card?
Do you have a credit card? If so, do you have more than one?
Do you have more than one bank account?