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# By providing such services as mortgages, home improvement loans,

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Intern
Joined: 15 Dec 2013
Posts: 4
Concentration: Healthcare
GPA: 3.01
Re: By providing such services as mortgages, home improvement loans,  [#permalink]

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22 Feb 2018, 16:57
Please make sure that you are copying the questions correctly. In option E, the question as stated on the web page is missing a comma before 'and'. The original question states (E) and financial advice, and by staying.

This typo could take a few people of' as it did in my case...as the rule states that when a conjunction joins two items and the first item has sub items, then a comma comes before the joining conjunction. Summarily, one needs to close the old series with a comma before opening a new one.
Director
Joined: 20 Sep 2016
Posts: 643
Location: India
Concentration: Strategy, Operations
GPA: 3.92
WE: Operations (Consulting)
Re: By providing such services as mortgages, home improvement loans,  [#permalink]

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22 Feb 2018, 22:06

1. And is necessary as the last service provided by bank is financial services.
2. " By " before staying is necessary because it shows that the bank is staying within the limits. If we don't add " by " it incorrectly adds to a service provided by the bank which is wrong.

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Director
Joined: 09 Aug 2017
Posts: 630
Re: By providing such services as mortgages, home improvement loans,  [#permalink]

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10 Sep 2018, 23:57
If you are point to comma as a error that probably you are wrong. If there are two legnthy parts connected with co-ordinate conjunction, you can use comma before conjunction.
sleepynut wrote:
Hi all,
I think (D) can be eliminated since the comma before the second "and" is not required.
We only have two items in the second list : providing and staying.
Manager
Joined: 09 Mar 2018
Posts: 55
Location: India
Schools: CBS Deferred "24
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25 Mar 2019, 03:20
The parallel structure here is X and Y: If we consider the preposition by inside the parallel structure, we must use by two times. In such case by should be used both in X and in Y.

However we could also consider that the preposition by is outside the parallel structure. In such case we would use by only once. It would cover both X and Y

to quote an example

by eating healthy and sleeping well, I maintain my health.

Manager
Joined: 09 Mar 2018
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25 Mar 2019, 03:25
Skywalker18

taking an example : by eating healthy and sleeping well, I maintain my health.

or is it related wrong use of comma in (D)
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Re: By providing such services as mortgages, home improvement loans,  [#permalink]

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25 Mar 2019, 04:15
sakshamchhabra wrote:
The parallel structure here is X and Y: If we consider the preposition by inside the parallel structure, we must use by two times. In such case by should be used both in X and in Y.

However we could also consider that the preposition by is outside the parallel structure. In such case we would use by only once. It would cover both X and Y

to quote an example

by eating healthy and sleeping well, I maintain my health.

The correct option gives us the following sentence:

By providing such services as (mortgages, home improvement loans, automobile loans, and financial advice) and by staying within the metropolitan areas, Acme Bank has become one of the most profitable savings banks in the nation.

You're right in saying that the second by is not necessary, but it helps show that we are looking at the second item of the main list. Otherwise, the reader could read the sentence like this:
By providing such services as X and Y... (where X is a list of 4 items)

You'll face this problem in any long sentence, or in any sentence in which there are elements that could confuse the reader. You should err on the side of caution and prefer any option that clarifies what the parallel elements are.
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By providing such services as mortgages, home improvement loans,  [#permalink]

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25 Mar 2019, 07:36
sakshamchhabra wrote:
taking an example : by eating healthy and sleeping well, I maintain my health.

Hi Saksham, this example is not similar to the construct in the sentence under consideration.

The sentence under consideration is similar to the following:

By eating apples, oranges, and mangoes and by sleeping well, I maintain my health.

So, at a macro level, the sentence is conveying:

By eating...and by sleeping well, I maintain my health.

So clearly, I maintain my health by doing two things:
i) By eating
ia) apples,
ib) oranges, and
ic) mangoes

and

ii) By sleeping well

If we don't have the second by, the sentence would be:

By eating apples, oranges, and mangoes and sleeping well, I maintain my health.

At the very least, there is confusion in interpretation, because the sentence could be interpreted as:

I maintain my health:
i) By eating
ia) apples,
ib) oranges, and
ic) mangoes and
id) sleeping well

Absurd interpretation, but nonetheless, the construct is not as lucid as it is, if we repeat the by second time.
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Ashish
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By providing such services as mortgages, home improvement loans,   [#permalink] 25 Mar 2019, 07:36

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