Answer:
Tom <em>has </em>finished the test.
We <em>have </em>met our new neighbors.
<em>Has </em>Kevin ever missed an English class?
I <em>have</em> never taken an online course.
<em>Have </em>you done your homework?
Explanation:
Past and present tense
Period where the comma is then Your
The bullwhip effect is a distribution channel phenomenon in which demand forecasts result in inefficiencies in the supply chain. (Got this off from Wikipedia)