What do these people regulary do and when

люди имеют личное мед. страховку.

on the whole - в целом, вообщем

in many ways - во многих отношениях, многими путями (типа достичь чего-то, решить что-то)

the present perfect continuous

2.-yes,they have living in  at the moment for 2 years

3. he has been waiting for mary more than an hour.

4. they have benn sitting in the garden since dinner time

5. he has been playing tennis since 10 a.m.

6. i have benn learning spanish for 5 years.

7. he has been working for the same company since he left school.