When does a bank earn interest? when a consumer defaults on a loan
when a consumer opens a savings account
when a consumer makes a payment on a loan
when a consumer purchases an automobile with cash

the correct answer would be:  

a. adverb phrase

the correct answers are:

c. “never in the history of his people had a man married a woman who spoke a different tongue.”

d. “‘it has never been heard,’ was the verdict of an old man speaking a few weeks later.”

e. “this man had come with others to commiserate with okeke.”

answer is b,

"the tracer looks harmless in flight, but the pilot’s bitten lips and white knuckles suggest how dangerous it can be."

it was correct.