1.

I should have applied for a grant.  WISH
for a grant.

2.

Unfortunately we owe the bank a lot of money.  IF ONLY
the bank so much money.

3.

Sally ought to make up her mind about her job.  TIME
up her mind about her job.

4.

Would you prefer us to take you home now or later?  RATHER
you home now or later?

5.

I regret spending all our savings on our honeymoon.  IF ONLY
all our savings on our honeymoon.

6.

We'd prefer you not to bring your dog in here.  RATHER
bring your dog in here.

7.

Don't you think you ought to apologize to Anna?  TIME
Isn't to Anna?