Good explanation Tiger on Will vs Is.
OA is not B though..
Controversial mortgage laws passed last year state that, if at any point during the maturation period of the loan the person in whose name it is taken is not able to meet the payments, that person’s spouse will have responsibilities that include paying the balance.
1. will have responsibilities that include
2. will be responsible to pay
3. is responsible to pay
4. will be responsible for paying
5. is responsible for paying
This SC is testing multiple things.
My question - is there a difference between "will" and "is" -
Can't "is" also refer to something in the future, just as "will" can?
B: Since it is conditional subject to future event, IMO the sentence requires "will" not "is".
If you use "is" in place of will, you are telling that person is responsible now but actuall she is not because her responsibility statrts only when her husband fails to pay in the future.