In order to be naturalized, an applicant must first be qualified to apply for citizenship. Then, he or she must complete an application, attend an interview, and pass an English and a civics test. Upon successful completion of these steps, the applicant takes an oath of loyalty, and becomes a citizen.
D. The hints or suggestions that tell the reader what is going to happen in a story
Requirements are Money and You have to pay the pending bills and current bills so you have to pay them saving money is using less electricity
So the verb is "to use" and the tense is the past conditional. This is indicated by the words, "has been". Like, "I have used," or something similar.
The word "had" or "have" is almost always indicative of either the past perfect or past conditional.
The opposite of that is the past, or preterite tense, as in it definitely happened, as in, "I used it".
Hope that helped