Question(please) Hi, there Could you help me? 1) Do you use the present perfect or the simple past in this sentence? "I've read and I've been told /I read and I was told that you shouldn't say say theses words in the workplace, and (THAT) you should behave properly." And would you omit the second that? 2) Do you say a car finance contract or a car financing contract? And isn't odd to say "I crashed my car and I am still up to the fourth installment on it." .. Is it odd? "Up to the fourth installment on it"? Please..