1. He would not be so successful now, if he hadn't studied so hard, when he was at school.
2. I am terribly sorry, but I didn't hear what you said just now, and I wonder if you could repeat it.
3. By this time next year, I will have taken all my exams.
4. Despite being the better team, we lost the match.
5. We would never have had the accident if you hadn't been driving so fast.