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hubiera terminado
Past perfect subjunctive yo conjugation of terminar.
hubiera terminado
Past perfect subjunctive él/ella/usted conjugation of terminar.

terminar

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Ahora, eso no habría ocurrido si me hubiera terminado la escuela.
Now, that wouldn't have happened if I'd stayed in school.
De lo contrario me hubiera terminado en el regazo.
Otherwise I would've ended up on his lap.
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