My sister ______ (win) lots of competitions.
has won
My grandparents ______ (never/buy) anything online.
have never bought
I ______ (never/use) a credit card. I'm not old enough!
have never used
My brother ______ (never/borrow) any money from me.
has never borrowed
We ______ (visit) Ireland. My aunt lives there.
have visited
