Решение:
- When she was younger, she played tennis every day.
- It's already 10:00, but Jane hasn't finished her homework yet.
- Joe crashed his car three times since Christmas. (This sentence implies he crashed 3 times in total since Christmas, not that the crashes were spaced out. If the intention is that the crashes happened over a period of time, 'for' might be more appropriate, but 'since' is grammatically possible if referring to a duration up to the present).
Ответ: played; hasn't finished; since Christmas.