Anne had to pay everything because as usual, Peter……… his wallet at home.
Explanation
The correct answer is (a) had left.
In this sentence, there are two past actions:
Anne had to pay (simple past tense indicating the main action).
Peter leaving his wallet (the reason for the first action).
Since Peter leaving his wallet happened before Anne had to pay, we must use the Past Perfect Tense to show that this action was completed before another action in the past.
We can represent this logical sequence of events using the following equation:
Action 1 (Earlier)=Past Perfect (had + past participle)=had left
Action 2 (Later)=Simple Past=had to pay
By using "had left," the sentence correctly establishes that Peter had already forgotten his wallet before the payment situation arose.