C1 Unreal uses of past tenses

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I wish I didn´t lend Diane so much money. She´s spending it as if there was no tomorrow.

I wish I HADN´T LENT Diane so much money. She´s spending it as if there was no tomorrow.

It´s time you would declutter the junk room.

It´s time TO DECLUTTER/YOU DECLUTTERED the junk room.

I´d rather to book a hotel inclusive of a spa.

I´d rather BOOK a hotel inclusive of a spa.

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