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# The original building and loan associations were

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The original building and loan associations were [#permalink]

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12 May 2010, 01:53
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OG16 SC125
The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions, then taking turns drawing on the funds for home mortgages.

(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns
[Reveal] Spoiler: OA

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Re: The original building and loan associations were [#permalink]

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12 May 2010, 02:17
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IMO C.

The two verbs in the subclause should be parallel: made....took
A one after the other relationship is occuring here >>>
made monthly payments on their share.....and then took turns

DRAWING is correct usage here to indicate the ongoing activity.

noboru wrote:
The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions, then taking turns drawing on the funds for home mortgages.

(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns

For me is between C and E.

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Re: The original building and loan associations were [#permalink]

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06 Jul 2010, 11:44
Hi guys,

I thought as the sentence is in the past tense, 'they drew' makes much more sense then 'drawing'
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Re: The original building and loan associations were [#permalink]

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06 Jul 2010, 11:48
IMO C,

made and took the 2 verbs are parallel. Drawing modifies turns........ informing what the turns were for.
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Re: The original building and loan associations were [#permalink]

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06 Jul 2010, 12:43
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it is C.

homeowners made monthly payments on their..... and took turns drawing on the funds....conveys the correct meaning.

homeowners made monthly payments on their.....and then drew, taking turns on the funds....is awkward
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Re: The original building and loan associations were [#permalink]

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31 Jul 2010, 07:08
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i guess i have seen this question earlier ..its c
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Re: The original building and loan associations were [#permalink]

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31 Jul 2010, 08:28
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IMO C.. Parallelism..
This is an OG question.. OG12 !
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Re: The original building and loan associations were [#permalink]

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02 Mar 2013, 01:48
abhas59 wrote:
Hi guys,

I thought as the sentence is in the past tense, 'they drew' makes much more sense then 'drawing'

After comma its a independent clause and there is no 'and' or 'but'
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Re: The original building and loan associations were [#permalink]

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02 Mar 2013, 08:38
is the usage of drawing correct in this context because , it answers the question ... they take turns to do what? ...
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Re: The original building and loan associations were [#permalink]

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16 Sep 2013, 01:44
The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions and then took turns, they drew on the funds for home mortgages.

Can someone explain the run-on in option D do we need a semi-colon (;)?

semi-colon is used to join 2 IC's but doesn't "whose" start a DC?
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Re: The original building and loan associations were [#permalink]

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16 Sep 2013, 12:45
fozzzy wrote:
The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions and then took turns, they drew on the funds for home mortgages.

Can someone explain the run-on in option D do we need a semi-colon (;)?

semi-colon is used to join 2 IC's but doesn't "whose" start a DC?

Yes, semi-colon is used to join 2 ICs or we can also use conjunctions (FANBOYS) to join 2 ICs.

But, here the clause after the comma is not an IC but a relative clause. Also, who, whom, whose, which can only act as relative clauses because they are referring back to some noun in the sentence. Like in this case, whose is referring back to the noun "limited life funds".

You can read the below sentence and see whether it makes sense by itself, it won't. Thus, it'll always be a relative or a dependent clause.
whose members made monthly payments on their share subscriptions and then took turns, they drew on the funds for home mortgages

Choice C: Both the verbs made and took are parallel in the relative clause.

Let me know if it makes sense.
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Re: The original building and loan associations were [#permalink]

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15 Oct 2013, 13:21
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I have a query in the below OG question:

The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions, then taking turns drawing on the funds for home mortgages.
(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns

Below is my query:

I know that a verb-ing modifier when put without a comma after a noun(object) will modify the object itself and not the subject. As happens in the below example:

He killed the snake using a stick.

Then in the OG question above, isn't drawing modifies noun turns? instead of modifying members?

Last edited by dentobizz on 15 Oct 2013, 17:15, edited 1 time in total.
edited the Title
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Re: The original building and loan associations were [#permalink]

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15 Oct 2013, 14:07
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shindesubodh wrote:
I have a query in the below OG question:

The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions, then taking turns drawing on the funds for home mortgages.
(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns

Below is my query:

I know that a verb-ing modifier when put without a comma after a noun(object) will modify the object itself and not the subject. As happens in the below example:

He killed the snake using a stick.

Then in the OG question above, isn't drawing modifies noun turns? instead of modifying members?

Hi shindesubodh

Yes, you're correct. Verb-ing modifier without a comma --> modifies a preceding noun.
Thus, drawing modifies turns. It tells us that what the turns draw on (turns draw on the funds for home mortgages).

He killed the snake using a stick. <-- Verb-ing modifier without a comma ==> "using" modifies snake, not "he". Thus, the sentence does not make any sense.

Hope it helps.
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Re: The original building and loan associations were [#permalink]

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15 Oct 2013, 17:22
shindesubodh wrote:
I have a query in the below OG question:

The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions, then taking turns drawing on the funds for home mortgages.
(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns

Below is my query:

I know that a verb-ing modifier when put without a comma after a noun(object) will modify the object itself and not the subject. As happens in the below example:

He killed the snake using a stick.

Then in the OG question above, isn't drawing modifies noun turns? instead of modifying members?

-ING Modifiers are disscussed here
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Re: The original building and loan associations were [#permalink]

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18 Oct 2013, 07:58
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Hi Subodh,

Remember that verbs in the '-ing' form can be modifiers, but they can also just be actions.

In this case, ‘drawing’ is part of the verb ‘took’. Think of it this way: instead of saying the members ‘took turns drawing on the funds’, we can also say the members ‘took turns to draw on the funds,’ and it would not change the meaning of the sentence. Since ‘drawing’ in this case is interchangeable with the verb ‘to draw’, it is functioning as part of the action in this sentence.

I hope this helps to clarify your doubt!

Regards,
Meghna
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Re: The original building and loan associations were [#permalink]

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04 Nov 2013, 05:54
The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions,then taking turns drawing on the funds for home mortgages.

(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns

[Reveal] Spoiler:
While I chose A :

Let me break the sentence into Clauses :

Cl1 : The original building and loan associations were organized as limited life funds ,

S=original building and loan associations
V=were organized

Cl2 :whose members made monthly payments on their share subscriptions

S=members

Cl2 (continues) : then taking turns drawing on the funds for home mortgages.

Verbing modifier modifies preceding clause (Cl2)

Meaning Cl1: original building and loan associations were organized as funds
Meaning Cl2: Fund members made monthly payment of their part ,then as a result of that they took turns to draw on the funds for something .

I found nothing wrong with choice A and selected it .While Choice C changes the meaning by converting the result of preceding clause into two parallel(independent) elements .

But if I do the Analysis in a different manner as shown below ,then C seems correct.

Original sentence :

The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions,then taking turns drawing on the funds for home mortgages.

If I remove Cl2:" whose members made monthly payments on their share subscriptions " ,because it is between comma pairs .

Then we got this ,

The original building and loan associations were organized as limited life funds then taking turns drawing on the funds for home mortgages .

It is incorrect to say that " funds then taking turns drawing on the funds .."

Hence ,when I remove the " Whose clause " , It is clear that choice A is wrong .

Thanks ,
Deepak

Last edited by Narenn on 04 Nov 2013, 06:41, edited 3 times in total.
Pls post the question according to the rules cited by another moderator in his post below.
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Re: The original building and loan associations were [#permalink]

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04 Nov 2013, 05:58
deepak1990verma wrote:
Hi,

Q116:

The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions,then taking turns drawing on the funds for home mortgages.

(A) subscriptions, then taking turns drawing
(B) subscriptions, and then taking turns drawing
(C) subscriptions and then took turns drawing
(D) subscriptions and then took turns, they drew
(E) subscriptions and then drew, taking turns

OA : C

While I chose A :

Let me break the sentence into Clauses :

Cl1 : The original building and loan associations were organized as limited life funds , --I.C

S=original building and loan associations
V=were organised

Cl2 :whose members made monthly payments on their share subscriptions ----- D.C

S=members

Cl2 (continues) : then taking turns drawing on the funds for home mortgages.

Verbing modifier modifies preceding clause (Cl2)

Meaning Cl1: original building and loan associations were organised as funds
Meaning Cl2: Fund members made monthly payment of their part ,then as a result of that they took turns to draw on the funds for something .

I found nothing wrong with this choice and selected it .While Choice C changes the meaning by converting the result of preceding clause into two parallel(independent) elements .

But if I do the Analysis in a different manner as shown below ,then I land up in marking choice C .

The original building and loan associations were organized as limited life funds, whose members made monthly payments on their share subscriptions,then taking turns
drawing on the funds for home mortgages.

If I remove Cl2(D.C): whose members made monthly payments on their share subscriptions

Then we get this ,

The original building and loan associations were organized as limited life funds then taking turns drawing on the funds for home mortgages .

which is certainly incorrect " funds taking turns drawing on the funds .."

Hence ,when I remove the " Whose clause " , It is clear that choice A is wrong .

Now I am confused with my understanding ,how should I proceed .Can you help me to clarify this doubt .

Thanks ,
Deepak

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Re: The original building and loan associations were [#permalink]

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12 Nov 2013, 15:51
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Hi Deepak,

The second analysis of the sentence is absurd, since the members are the subject of the verb 'taking' and the sentence makes no sense without the second clause. This is the second query of yours that I've seen in which you've tried to make sense of a sentence by removing a part of it. This is not recommended at all.

As for why option A is wrong, let's look at this part of your analysis: Meaning Cl2: Fund members made monthly payment of their part ,then as a result of that they took turns to draw on the funds for something .

Is 'taking turns to draw on the funds' a result of the previous clause?

Let's look at a similar example:

Mary set aside some funds for her college fees, withdrawing some money every semester.

This sentence indicates that Mary withdrew some money because she set aside some funds for her fees. Does that make sense? She withdrew the money to pay her fees. To withdraw the money, she had to deposit it first. So, these are two separate actions that are chronological: first, she set aside some money. Then, she withdrew it. This does not mean that she withdrew the money because she deposited it. Note that just because one action happens after another, it does not mean that they share a cause-and-effect relationship. So, this sentence is incorrect.

Applying this understanding to the OG question, we can understand it as follows: first, the fund members made monthly payments. Then, they took turns drawing on the funds. Why did they draw on the funds? Answer: for home mortgages. They did not draw on the funds because they made monthly payments. So, the two actions do not have a cause-and-effect relationship and have to be written as parallel actions joined by 'and'.

I hope this helps!

Regards,
Meghna
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Re: The original building and loan associations were [#permalink]

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13 Nov 2013, 04:51
Hi Meghna ,

Thanks a lot ,now it is clear . Cause and effect relationship does not hold here .

Let me tell you about my second analysis ,why I did so ,and now I realized why it was incorrect .

This is from GMAT Prep correct option )

In the past several years, astronomers have detected more than 80 massive planets, most of them at least as large as Jupiter, circling other stars.

At first glance , it seems that " ,circling ...... " -----> (comma+verbing ) , but in reality "circling .... " modifies planets .Here " most of them at least as large as jupiter " --- not a clause but a phrase under comma pair,which gives additional information and can be striked out .

In the past several years, astronomers have detected more than 80 massive planets, most of them at least as large as Jupiter, circling other stars .

And "circling " modifies planets .

And I applied the same concept in OG question above :

In OG13 :116 ,

I striked out the clause "whose members made .. " --- which is not correct

2nd analysis was a big mistake .Now it is clear .

Again thanks a lot .

Thanks ,
Deepak
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Re: The original building and loan associations were [#permalink]

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14 Nov 2013, 03:19
egmat wrote:
Hi Deepak,

The second analysis of the sentence is absurd, since the members are the subject of the verb 'taking' and the sentence makes no sense without the second clause. This is the second query of yours that I've seen in which you've tried to make sense of a sentence by removing a part of it. This is not recommended at all.

As for why option A is wrong, let's look at this part of your analysis: Meaning Cl2: Fund members made monthly payment of their part ,then as a result of that they took turns to draw on the funds for something .

Is 'taking turns to draw on the funds' a result of the previous clause?

Let's look at a similar example:

Mary set aside some funds for her college fees, withdrawing some money every semester.

This sentence indicates that Mary withdrew some money because she set aside some funds for her fees. Does that make sense? She withdrew the money to pay her fees. To withdraw the money, she had to deposit it first. So, these are two separate actions that are chronological: first, she set aside some money. Then, she withdrew it. This does not mean that she withdrew the money because she deposited it. Note that just because one action happens after another, it does not mean that they share a cause-and-effect relationship. So, this sentence is incorrect.

Applying this understanding to the OG question, we can understand it as follows: first, the fund members made monthly payments. Then, they took turns drawing on the funds. Why did they draw on the funds? Answer: for home mortgages. They did not draw on the funds because they made monthly payments. So, the two actions do not have a cause-and-effect relationship and have to be written as parallel actions joined by 'and'.

I hope this helps!

Regards,
Meghna

Hi Meghna,

In the eg. sentence: Mary set aside some funds for her college fees, withdrawing some money every semester.

can the verb-ing modifier 'withdrawing' describe(answer the how part) the 'action of Mary' in the preceding clause?
then the meaning of the sentence above would be 'Mary set aside some funds for her college fees by withdrawing some money every semester.'

what is wrong if we assume this as the meaning of the sentence?

Can you throw some light on when does the verb-ing modifier describe the action in the preceding clause and when does it express the results of the preceding clause.

Re: The original building and loan associations were   [#permalink] 14 Nov 2013, 03:19

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