1. a) Did they arrive at 3 a.m.?
b) They didn't arrive at 3 a.m.
2. a) Has she taken out a loan from this bank?
b) She hasn't taken out a loan from this bank.
3. a) Did the game end 2 hours ago?
b) The game didn't end 2 hours ago.
4. a) Have they recently been to Finland?
b) They haven't recently been to Finland.