(adjective): hard to do, troublesome, hard to understand

di (apart, separate) + fic (make, do)+ ult

The test was difficult and I answered only eight of the ten questions.

(noun): something known to be true

fact (make, do)

It's a fact that the world is round.

(noun): a change caused by something, a result, influence

e (out, from) + fect (make, do)

The sun's effect on human skin is known to be harmful.