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A recent survey showed that while many banks have service charges on i

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A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 18 Oct 2014, 11:01
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A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.

(A) with balances that are falling below
(B) whose balances fall below
(C) whose balances fall below that of
(D) that have balances falling below that of
(E) that have balances that fall below those of

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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 19 Oct 2014, 00:13
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honchos wrote:
The reason for posting this is to discuss the usage of whose. Whose modifies or represents inanimate objects or can also refer to people?


In GMAT, who and whom refer to people only, but whose,surprisingly, can refer to both people and things.
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New post 18 Oct 2014, 11:02
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The reason for posting this is to discuss the usage of whose. Whose modifies or represents inanimate objects or can also refer to people?
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 18 Oct 2014, 11:02
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The reason for posting this is to discuss the usage of whose. Whose modifies or represents inanimate objects or can also refer to people?
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 18 Oct 2014, 23:48
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the way i look at it That of or Those of is incorrect as "set minimum" must be compared with "balances" A,C,D are out
also the bank accounts here are the object so whose should be correct .. though i read it somewhere that who/whose must refer to people …. "that" is i am not sure if it is incorrect …. will eliminate the choices based on the Comparisions rather than usage of that/who
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 09 Nov 2015, 16:22
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What's the problem with letter A? Can someone help?
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 10 Nov 2015, 02:28
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Hugoba wrote:
What's the problem with letter A? Can someone help?

A uses "that" for balances, which require "those"
B is a better choice with better expression and concision
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 13 Nov 2015, 21:08
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Two problems with A:

- Per the meaning of the sentence we need simple tense. Unnecessary addition of a clause ("that are falling below") is avoidable in sentence structure. "B" expresses the idea in simple present tense.

- "with balances" after "accounts" in A describes the type of accounts (property of noun modifier) . We in turn (per the meaning) require characteristic of the accounts (accounts whose balances fall below a certain threshold). Thus, the option creates a kind of ambiguity.
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 14 Nov 2015, 09:31
AryamaDuttaSaikia wrote:
Two problems with A:

- Per the meaning of the sentence we need simple tense. Unnecessary addition of a clause ("that are falling below") is avoidable in sentence structure. "B" expresses the idea in simple present tense.

- "with balances" after "accounts" in A describes the type of accounts (property of noun modifier) . We in turn (per the meaning) require characteristic of the accounts (accounts whose balances fall below a certain threshold). Thus, the option creates a kind of ambiguity.


Thanks Ms. Aryama that was exactly my struggle. +1 kudos
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 07 Dec 2016, 02:40
honchos wrote:
A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.

a. with balances that are falling below
b. whose balances fall below
c. whose balances fall below that of
d. that have balances falling below that of
e. that have balances that fall below those of


the serious problem with A is that we need to show a condition. this condition is not used by present continuous. present continuous is used for a condition if the condition is temperary. the action of "fall below" is not temperary, so we do not use present continuous here. This is traditional text book case for difference between present simple and present continuous. this difference is explained in most grammar books.
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 15 Dec 2016, 09:05
The OA is correct and explanations provided in the thread appear sufficient. If there are any specific questions, please post them here and then click again on the "Request Expert Reply" button – closing this request.
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 18 Mar 2017, 00:38
Hugoba wrote:
What's the problem with letter A? Can someone help?


Survey data contains data points of occurred event not that will occur so progressive tense cannot be used
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 08 Jul 2017, 10:03
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A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.

(A) with balances that are falling below
(B) whose balances fall below
(C) whose balances fall below that of
(D) that have balances falling below that of
(E) that have balances that fall below those of

This was pretty quick.

- charges on accounts "(fall/falling below) THAT OF" a set minimum is just wrong...the charges FALL below a set minimum. There is a minimum, and the charges fall below this.
-- Easy to eliminate C, D, E

- "Recent survey SHOWED", meaning this survey was taken in the past. We need to maintain this verb tense. Hence, "fall" = correct tense.
-- Easy to eliminate A, D

- Note: "whose" can refer to people AS WELL AS inanimate objects

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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 03 Apr 2018, 19:21
Can someone please explain why usage of that of is incorrect here. Thanks in advance
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 15 Apr 2018, 03:14
(A) with balances that are falling below modifies only second part
(B) whose balances fall below Correct. balances refer to both the types of accounts
(C) whose balances fall below that of 'that of' is wrong
(D) that have balances falling below that of 'that of' is wrong
(E) that have balances that fall below those of 'those of ' is wrong
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 15 Apr 2018, 10:15
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honchos wrote:
A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.


(A) with balances that are falling below

(B) whose balances fall below

(C) whose balances fall below that of

(D) that have balances falling below that of

(E) that have balances that fall below those of

(B) crisp and clear
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 19 Jun 2018, 01:22
Whose can refer to both people and things.

honchos wrote:
The reason for posting this is to discuss the usage of whose. Whose modifies or represents inanimate objects or can also refer to people?

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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 11 Jul 2019, 09:32
honchos wrote:
A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.

(A) with balances that are falling below
(B) whose balances fall below
(C) whose balances fall below that of
(D) that have balances falling below that of
(E) that have balances that fall below those of


C,D,E : THAT OF /THOSE OF USE IS MAKES SENTENCE MEANINGLESS
A , B : BOTH ARE CORRECT BUT A IS LENGTHIER
B IS CONCISE
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Re: A recent survey showed that while many banks have service charges on i  [#permalink]

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New post 08 Aug 2019, 05:29
Sidbendale1 wrote:
Can someone please explain why usage of that of is incorrect here. Thanks in advance


that is used as singular to refer objects far from us
Those is used as plural for many things far from us

balances here are plural so use of that is wrong
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Re: A recent survey showed that while many banks have service charges on i   [#permalink] 08 Aug 2019, 05:29
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