@PERPLEXED51,
I suspect your course material in not reliable. So, for example, "Pansy's ready. (or is she)"
is correct. The parenthetical entry, "or is she," indicates that Pansy in this case is the given name or the nickname of a woman or girl. In that case, "Pansy's ready" is correct because it is the contraction of "Pansy is ready." If John were ready, i might write "John is ready," or i might write "John's ready."
You are correct that changing "Pansy's ready" would be incorrect.