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Use the simple present (and not the present continuous) to express a present habitual action.
Use the present continuous to express a habitual action with the word always or with a verb denoting a continuous state: He is always talking in class; He is living in London.
When the verb in the main clause is in the past tense, use a past tense in subordinate clauses.
This rule doesn't apply (1) to verbs within quotations, (2) to facts that are true at all times. We say:
1. She said, 'I am waiting for your answer'
2. He said that London is a great city
Can changes to could in subordinate clauses, when the verb in the main clause is in the past simple tense.
If we are speaking of the result of a past action rather than of the action we must use the present perfect tense. When somebody says, I have seen Panthenon, he or she is not thinking so much of the past act of seeing it, as the present result of that past action.