By the time you were 22, ... (open a bank account)?
... had you opened a bank account? Yes, I had.
By the time you were 16, ... (learn how to drive)?
had you learned how to drive? Yes, I had.
By the time you were 16, ... (get drunk)?
... had you gotten drunk? Yes, I had.
By the time you were 15, ... (fall in love)?
had you fallen in love? Yes, I had.
By the time you were 12, ... (travel abroad)?
... had you travelled abroad? Yes, I had.
By the time you were 15, ... (go out with your friends alone)?
... had you gone out with your friends alone? Yes, I had.
By the time you were 12, ... (go to a concert)?
... had you gone to a concert? Yes, I had.
By the time you were 12 years old, ... (discover a talent)?
had you discovered a talent for music, art, or anything else? Yes, I had.
By the time you were twelve, ... (move house)?
... had you moved house? Yes, I had.
By the time you were 10, ... (break a bone)?
... had you broken a bone? Yes, I had
By the time you were twelve, ... (kiss) someone?
... had you kissed someone? Yes, I had.
By the time you were 7, ... (learn to swim)?
... had you learned how to swim? Yes, I had.