You'd never have believed a pretty young lady like that could have made herself into such a ruffian. 
The young lady is believed to be pretty.
It is easy to believe the lady could have made herself into such a ruffian.
Frequent flyer miles belong to the customer who is using them, that is to say, the individual.
actors chatting on a set
A man has a lamb and a llama.
It's a choice.
There is a track indoors for cyclists to ride their bike.
A man and a woman are inside.