“If” + Verb, Which Tense?

I am always confused about what verb tense to use with “if.” So, I am taking notes as I go. These are examples from Essentials of English.

Example: If she were to go, there might be trouble.
Expresses a future possibility. Unexpected past tense form is used.

Example: If he were talented, he could make money.
Meaning he is not talented now. Expressed an unreality, a contrary-to-fact situation.

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