Use the past simple or the present perfect in these pairs of sentences:
1. a) She (never read) a book until she was eleven.
b) She is eighty and (never read) a book in her life.
2. a) I (have) lunch an hour ago.
b) I (just have) lunch.
3. a) ... he (go) to the bank yet?
b) ... he (go) to the bank at lunch time?