132.
A. Efficient is an adjective and therefore incorrect in this sentence.
B. Efficiency is correct because it is a noun as well as the subject of the sentence.
C. Effective is also an adjective (efficacy is the noun).
D. Efficiently is an adverb and you need a noun in the given sentence.
133.
A. will have is not correct because it is not the conditional form of the verb (see D). After if you need a conditional tense either in the First (Present) or in the Second (Past) Conditional Tense depending on when the condition happened.
B. will be having is also incorrect because it is one of the future tenses.
C. would have had is conditional but it is a past condition when you need a present condition in the given sentence. (If the sentence read: If we had observed the safety rules all the time, we would have had fewer accidents both verbs would be in the past which is correct.
D. would have is correct as it is the Present Conditional Tense.