I deleted my discussion since the question dealt directly with the surface modeling exam.
I think it would be best if you didn't post any exam files
The problem here is the closedness of the missing surface, and it can twist and fail. Even if it doesn't it can look bad with ripples and dents in the surface.
Either you do it with a single loft or boundary and then straighten the flow of the surface via connectors, you can right-click on an edge and add a connector: http://help.solidworks.com/2011/English/solidworks/sldworks/legacyhelp/sldworks/features/loft_synchronization.htm
Second option is to relimit your boundary, so it doesn't have to curl to tight and then wide again, where the radius of curvature starts to change a lot you make a seperate surface for each. Four boundary surfaces should do nicely for the relatively straight segments. You can drag the little balls dynamically or make some extra curves for relimiting each surface: http://help.solidworks.com/2011/English/SolidWorks/sldworks/LegacyHelp/Sldworks/Surfaces/Example_of_Trim_By_Profile.htm
Lastly the smaller, tighter sections that remain open are most easily handled with a Fill surface on each with "Optimize" turned off. It's very much like stretching and pulling a bigger surface across the gap instead of forcing a surface to follow that tight curvature directly. It's really useful in these situations!
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