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# The bank holds $3 billion in loans that are seriously  Question banks Downloads My Bookmarks Reviews Important topics Author Message TAGS: Director Joined: 30 Nov 2006 Posts: 591 Location: Kuwait Followers: 12 Kudos [?]: 175 [1] , given: 0 The bank holds$3 billion in loans that are seriously [#permalink]  04 May 2007, 14:07
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65% (01:51) correct 35% (00:55) wrong based on 754 sessions
The bank holds $3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due. (A) they do not expect payments when (B) it does not expect payments when it is (C) it does not expect payments to be made when they are (D) payments are not to be expected to be paid when (E) payments are not expected to be paid when they will be [Reveal] Spoiler: OA Manager Joined: 04 May 2007 Posts: 111 Followers: 1 Kudos [?]: 0 [0], given: 0 [#permalink] 04 May 2007, 14:36 I think it is "C" but I'm not great with SC. I say "C" because 'they' refers to bank, but bank is singular (and neuter) so we need an 'it' so choice A is out. D and E just seem clumsy. B uses another 'it' to refer to payments - which is plural so you would need a 'they' Senior Manager Joined: 06 Jul 2004 Posts: 474 Location: united states Followers: 1 Kudos [?]: 17 [0], given: 0 [#permalink] 04 May 2007, 20:31 The bank holds$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when
(B) it does not expect payments when it is
(C) it does not expect payments to be made when they are
(D) payments are not to be expected to be paid when
(E) payments are not expected to be paid when they will be

C for me too.

A - is wrong because of "they".
B - is wrong because of "payments when it"
D and E are wrong for using paid. payments are not paid, they are made.
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Director
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(C) for me for the personal reasons...

"It" correctly refers to the bank, "they" correctly refers to the loans.
SVP
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Silly question here, but wouldnt the 'it' refer to the loans, instead of the bank itself ?

Or am I confusing that rule ? I thought that 'it' always refer to the subject immediately preceding it ...
CEO
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pmenon wrote:
Silly question here, but wouldnt the 'it' refer to the loans, instead of the bank itself ?

Or am I confusing that rule ? I thought that 'it' always refer to the subject immediately preceding it ...

no. it is not a relative pronoun. google "relative pronoun"
Director
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pmenon wrote:
Silly question here, but wouldnt the 'it' refer to the loans, instead of the bank itself ?

Or am I confusing that rule ? I thought that 'it' always refer to the subject immediately preceding it ...

'loans' is not singular. Actually problem in (A) is that 'they' is referring to 'loans' instead of 'bank'. Which, that, who, etc are the cases of pronoun who refer to subject immediately before them..
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The bank holds $3 billionin loans that are seiously [#permalink] 26 May 2008, 20:56 The bank holds$3 billionin loans that are seiously delinquent or in such trouble that they do not expect payments when due

a) that they do not expect payments when
b) it does not expect payments when it is
c) it does not expect payments to be made when they are
d) payments are not be expected to be paid
e) payments are not expected to be paid when they will be

will post OA later.
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Re: SC - Payments ( OGV-74) [#permalink]  27 May 2008, 03:42
I do not like either of sentence, but out of them C seems to be the best.
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Re: SC - Payments ( OGV-74) [#permalink]  27 May 2008, 04:24
my pick C as well

but just wondering if its actually an OG question

i dont think it is because of the wierd construction
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Re: SC - Payments ( OGV-74) [#permalink]  27 May 2008, 07:09
vdhawan1 wrote:
my pick C as well

but just wondering if its actually an OG question

i dont think it is because of the wierd construction

OA is C.

vdhawan,

Yeap! this is from OG verbal review.
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Re: [#permalink]  19 May 2013, 09:43
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The bank holds $3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due. (A) they do not expect payments when --- they refers to bank which is incorrect as bank is singular and should use it (B) it does not expect payments when it is -- ambiguous usage of second it . the second it should be replaced by "they" as it should refer to payments . (C) it does not expect payments to be made when they are -- correct . it refers to bank and they refers to payments (D) payments are not to be expected to be paid when -- payments and paid are redundant usages. (E) payments are not expected to be paid when they will be -- payments and paid are redundant usages. Manager Joined: 09 May 2013 Posts: 57 Followers: 0 Kudos [?]: 10 [0], given: 12 Re: The bank holds$3 billion in loans that are seriously [#permalink]  21 May 2013, 02:02
I have a doubt regarding these question:
If we break down question into clauses then
clause 1 The bank holds $3 billion in loans clause 2: that are seriously delinquent or in such trouble <== In clause 2 'that' refers to loans hence followed by plural verb "are" clause 3: that it does not expect payments to be made when they are due <== In clause 3 "that" refers to "trouble" so it should be provided by singular verb,but in option "C" we are introducing pronoun "It" after "that" then the verb form "does not" will be for pronoun "It" rather than "trouble" If my understanding for relative pronoun "that" is correct then option "C" would be wrong.. Senior Manager Joined: 16 Dec 2011 Posts: 453 Followers: 10 Kudos [?]: 164 [0], given: 70 Re: The bank holds$3 billion in loans that are seriously [#permalink]  21 May 2013, 02:20
WarriorGmat wrote:
I have a doubt regarding these question:
If we break down question into clauses then
clause 1 The bank holds $3 billion in loans clause 2: that are seriously delinquent or in such trouble <== In clause 2 'that' refers to loans hence followed by plural verb "are" clause 3: that it does not expect payments to be made when they are due <== In clause 3 "that" refers to "trouble" so it should be provided by singular verb,but in option "C" we are introducing pronoun "It" after "that" then the verb form "does not" will be for pronoun "It" rather than "trouble" If my understanding for relative pronoun "that" is correct then option "C" would be wrong.. There are two "that"s in the sentence -- first "that" is a modifier and the second "that" is a subordinating conjunction (not a relative pronoun). Here, the second "that" is used to link the dependent clause with the main clause. Hence, use of the second "that" is correct. Intern Joined: 03 Jul 2013 Posts: 12 GMAT Date: 10-08-2013 Followers: 0 Kudos [?]: 2 [1] , given: 17 Re: The bank holds$3 billion in loans that are seriously [#permalink]  04 Sep 2013, 22:07
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A> using they (plural) for bank(singular)
B> what is due? payments(plural) , so use of it is wrong
C>
D,E> I read some where that payments are made not paid... important point should be remember
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Re: The bank holds $3 billion in loans that are seriously [#permalink] 05 Sep 2013, 02:43 The bank holds$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when -->'they' wrongly refers to singular noun- BANK
(B) it does not expect payments when it is ---> "it" wrongly refers to plural 'payments'
(C) it does not expect payments to be made when they are --> Correct pronoun reference to BANK and PAYMENTS
(D) payments are not to be expected to be paid when --> payments and paid are redundant useages
(E) payments are not expected to be paid when they will be --> payments and paid are redundant useages
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Re: The bank holds $3 billion in loans that are seriously [#permalink] 21 Sep 2013, 04:56 Hi, regarding answer C could the pronoun THEY refer to payments but also to loans and therefore the antecedent wouldn't be clear? Or is it possible to exclude loans somehow? Thanks Levent Posted from my mobile device Manager Joined: 21 Aug 2013 Posts: 113 Schools: ISB '15 Followers: 2 Kudos [?]: 12 [1] , given: 55 Re: The bank holds$3 billion in loans that are seriously [#permalink]  07 Apr 2014, 05:57
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Its C.

The bank holds $3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due. (A) they do not expect payments when-- use of they for bank -- incorrect (B) it does not expect payments when it is -it..it .. ambiguous -- incorrect (C) it does not expect payments to be made when they are -- can't find any issues yet..hold it (D) payments are not to be expected to be paid when -- payments to be paid -- redundancy . (E) payments are not expected to be paid when they will be -- payments to be paid -- redundancy . _________________ Veritas Prep - 650 MGMAT 1 590 MGMAT 2 640 (V48/Q31) Please help the community by giving Kudos. Director Joined: 03 Aug 2012 Posts: 917 Concentration: General Management, General Management GMAT 1: 630 Q47 V29 GMAT 2: 680 Q50 V32 GPA: 3.7 WE: Information Technology (Investment Banking) Followers: 17 Kudos [?]: 330 [0], given: 322 Re: The bank holds$3 billion in loans that are seriously [#permalink]  14 Jun 2014, 01:50
(A) they do not expect payments when
They should be IT.
Payments when due (too short)
(B) it does not expect payments when it is
IT IS should be THEY ARE
(C) it does not expect payments to be made when they are
(D) payments are not to be expected to be paid when
when due=too short
(E) payments are not expected to be paid when they will be
Not better than (C)
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Re: The bank holds $3 billion in loans that are seriously [#permalink] 18 Jun 2014, 12:18 The bank holds$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when - The bank - Singular
(B) it does not expect payments when it is -> it doesn't agree in number with payments
(C) it does not expect payments to be made when they are - Perfect
(D) payments are not to be expected to be paid when -> payments are not expected to be paid when -> correct
(E) payments are not expected to be paid when they will be -> "when" refers to be the time instance -> the time instance "when" loans are due.
Also who is not expecting? Bank or who else. The original sentence was quite clear on that. Bank doesn't expect that.

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