3*
1. He is working in a bank
2. Are you having lunch now?
3. Sue and Tim don't walk to school
4. Water freezes at 0°C
5. He is studying hard these days
4*
1. Max never walks to school
2. Do you need anything from the market?
3. She always talks on the phone
4. We are staying with my aunt this week
5. Tom thinks about moving to a new flat