Question:
Bill returned Jim twenty dollars because he lent money.

he
Answer:
Jim
Question:
Sarah tried to ignore the elephant in the room, but she could not bear the awkwardness.

she
Answer:
Sarah
Question:
Taco needs hot sauce because it improves the flavor.

it
Answer:
hot sauce
Question:
Jill loves Jamie and she bought her a ring.

she
Answer:

Jill