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1. I don′t have any scissors so I can′t lend you any.
If . 

2. I used my calculator; otherwise I′d have taken longer.
Had . 

3. I feel better now because you talked to me about my problems yesterday.
If . 

4. Kim didn′t answer the phone because she was studying.
If . 

5. He lost his money simply because he wasn′t careful.
If .