chossing correct tense/tense consistency

Greetings,

I have a pretty big favour to ask.

I've been struggling with this topic for quite awhile now.It goes without saying that my English "leaves something to be desired".

Having in mind the subtle differences that occur from using particular tenses, I have often wondered how the authors of following exercises expect anyone to choose the correct form, without providing sound and unambiguous references.

I've uploaded 2 exercises that I stumbled upon :

1. http://rapidshare.com/files/138835945/HP.txt.html
and
2.http://rapidshare.com/files/138835946/redundancy.txt.html

I have converted them into .txt files to ease moderators' job.

They present the essence of my inability to comprehend and do right.

First text:
1. First sentence, adverb "always" stands before the verb (author did not bother to put it in the brackets (always/be)). If she is dead (we don't know that until we have finished reading) or if she is not "a fighter" anymore (we are clueless about that either), - we could use Past Simple. Of course, Present Perfect is more likely choice, but the position of adverb puzzles.

2."But, prior to..." - Past Continuous or Past Perfect?

3.The sentence : "it (be)_____ slow to notice....".I'm not sure whether Past Simple or Past Perfect should be used here.There is no strong reference whether this "slow noticing" occurred prior to her arrival or about the time when she came on board.

4."Those three years are not over....". The starting point is present time, but, that has nothing to do with the moment when she realized how things stand, which I know nothing about.Even the Present Simple is possible if she keeps realizing everyday that things are harder than she expected.For the rest of the paragraph I'm not certain whether Present Perfect should be used.

5."Above all,...." - from Present Simple (finds, is trying, is going to embark)...to Present Perfect (has found, has tried/has been trying, has embarked)...The tenses chosen in these sentences determine the tenses of the last paragraph in the text.

Second text:
1. First sentence: we could use Future Simple as well as Present Simple for the verb "have to"?

2. "Although no business or industry....". If there was a recent survey - do interviewed subjects still claim what they have said - or the use of Past Tense is obligatory? The word "any" is used in interrogative or negative sentences - but here, no question is being asked nor it is possible to be negative. Instead, "some" should have been used, I think.

3. "Those who have..." - Present Continuous or Present Simple? Former is more likely choice although the latter is possible also.

4. "In the past...." - as far as I know this presents the "indefinite moment in time". The Present Perfect could be used - but the position of adverb "always" confuses, again.

I would be more than grateful to anyone who can shed some light on these issues.
If I could reach to any other decent credible source I wouldn't ask for help in this way.

Thanks in advance,
Georgie.