It is hard (guess) ________ what comments the manager will make on the design. 2. Payment can (make) ________ online from your checking or savings account. 3. This type of loan is (frequent) ________ used for this purpose. 4. It is possible that we reach a long-term (agree) ________ with the company. 5. I must admit that the situation is (difficult) ________ than I thought it would be.