Describe a time when... would be the answer, you aren't giving an opinion
Answer: I think its the first one
Explanation: accrue: (of sums of money or benefits) be received by someone in regular or increasing amounts over time.
"financial benefits will accrue from restructuring"
Because you are taking what one writer said and using it in your own words. you can be sued for it if you try to puplish something that isnt your words and be kicked out of school when writting a paper and not properly citing something
Time
Present, past, future, present perfect, past perfect etc.
Many times a helper will be necessary as in the verb "write" has written, had written (the words has and had are the helpers).
