It is Present Perfect.
FORM
[has/have + past participle]
<span>Examples:
</span>You have seen that movie many times.
<span />Have you seen that movie many times?
You have not seen that movie many times.
I would not have volunteered. I don’t want to kill my fellow Americans. Regardless of their ideas.
Answer:
A
Explanation:
Many teachers are finding creative ways to cover expenses