Вопрос:

5. Mary: “I have had three cars.” Jill: “Mary said (that) she ___ three cars.” a. has b. has had c. had had

Ответ:

Перевод задания: Мэри: «У меня было три автомобиля». Джилл: «Мэри сказала, что у неё было три автомобиля».

Present Perfect have had изменяется на Past Perfect had had.

Mary said that she had had three cars. (Мэри сказала, что у неё было три автомобиля.)

Ответ: c. had had