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(Of course,) (she) (could have ( intermittently) checked (her (bank) account) ) but (she) ( (actually) (never) did. )
PP-Disjunct NP-S VP-P Adv.P-Adjunct NP-O NP-PrM coor NP-S VP-P Adv.P-Disjunct Adv.P-Adjunct

Brief answers:
1. The Predicate includes anything apart from the Subject; in other words, take away the Subject group and the remaining element(s) is/are the Predicate. With the highly mobile
element of the sentence, the Adverbial element, you may have a forwarded adverb or Adverb(ial) phrase ‘outside’ the Predicate. For example, ‘Of course’, in our sentence
above, is ‘outside’ the Predicate red round-brackets and it is also ‘outside’ the sentence since it is a Disjunct; STILL, it is part of the Predicate.

2. You recognize:
- a nominal clause if you can replace it with a noun / a pronoun (NP): Who told you that told me too.
Mohamed told me too.
He told me too
- an adverbial clause if you can replace it with an adverb(ial) phrase: She arrived when her ex had left.
She arrived at 7 o’clock (PP-Adverbial)
She arrived last night. (NP - Adverbial)
She arrived yesterday. (Adverb)
- an adjectival clause if you can replace it with an adjective; i.e., if you can replace it with a modifier (an adjectival phrase that is a premodifier or a postmodifier):
She is a good mathematician who has a real scientific mind. (Relative clause-PM)
She is a good mathematician with real scientific mind. (PP-PM)
She is good at what she does

(She) (is (good (at what she does )) )
NP-S VP-P Adj.P-Cs PCl-PM finite wh-nominal clause-PC
‘at what she does’ is Prepositional Clause and ‘what she does’ is a Prepositional Complement
The SPOCA pattern is SPCs
Cf.

(She) (is (good (at (mathematics ) ) )

NP-S VP-P Adj.P-Cs PP-PM NP-PC
The SPOCA pattern is SPC

Notice: the SPOCA of the 2 sentences is the same, why? Because ‘at what she does’ and ‘at mathematics’ are just postmodifiers of a major sentence element: SPC.
. . .
3. Apart from the verb, any of the other elements of a sentence or SCOA can be a single word, a phrase (which may incluse another phrase OR a clause) or a clause.
A Co is no exception: That song made her famous (Adj.P-Co)
That song made her a star (NP-Co)
That song made her whom you know (finite wh-nominal Cl. -Co)
That song made her what she had always dreamt of (finite wh-nominal Cl. -Co)
Her classmates have nicknamed her the Beauty Queen of theor group. (NP postmodified by a PP)
They consider her the epitome of Morocca beauty. (NP postmodified by a PP)
I found his speech a list of what he had done last year. (NP postmodified by a PP whose C is a nominal clause))

I found his speech (a list (of what he had done last year. ))
NP-Co PP-PM finite wh-nominal Cl.-PC

Courage