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

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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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lys8207 wrote:
By providing such services as mortgages, home improvement loans, automobile loans, financial advice and staying within the metropolitan areas, Acme Bank has become one of the most profitable savings banks in the nation.
a)
b) financial advice and by staying
d) and financial advice, and staying
e) and financial advice and by staying

I understand why it needs "and" before financial advice.

why do we have to include "by" before staying as the E says?

I thought "by" is understood in D, so chose D for simplicity.

To keep the sentence parallel. "by staying" is not part of the list. By providing.....and by staying..That part is parallel.
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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I agree with lagomez.

This list contains several items, such as mortgages, homeimprovement loans, automobile loans, and financial service. Then there's a sudden switch in sentence meaning, from providing services to "staying within the metropolitan areas". Since the beginning of the sentence started with "By providing", the sensible construct of this sentence would haev to be "by staying".
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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we require and before financial advice as it is the last one in the listed items and that leaves us with c,d and e

by staying in choice E is parallel with by statying

so my choice is E
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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one possible reason is that the distance between "providing" and "staying" is far , so, we need to repeat "by" to make the sentence clear.

I post this question in many places on the internet,but, no one answer properly
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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lys8207 wrote:
By providing such services as mortgages, home improvement loans, automobile loans, financial advice and staying within the metropolitan areas, Acme Bank has become one of the most profitable savings banks in the nation.
a)
b) financial advice and by staying
d) and financial advice, and staying
e) and financial advice and by staying

I understand why it needs "and" before financial advice.

why do we have to include "by" before staying as the E says?

I thought "by" is understood in D, so chose D for simplicity.

Ans is E....

There are 2 lists here

ACME Bank has become one of the most profitable savings banks in the nation.
List 1 by providing services such as

List 2 : Mortgages, Home Improvement Loans.... and Financial advice (Follows structure w,x,y,and z)

and

List 1 Contd: staying within Metropolitan area

List 1 follows structure X and Y...Where X and Y are 2 things done by by the bank...By Providing and By staying... is parallel here..
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
Could somebody please tell me that why did we use 'and' before financial advice?
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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ShantnuMathuria wrote:
Could somebody please tell me that why did we use 'and' before financial advice?

My answer is E too (had to burn time to get to E).

The first "and" is to end the list of items. The second "and" is to start a new clause. "By" is need to keep the second clause in parallel with the first.
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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and financial Services -----last one in the list ------> eliminate A,B
by providing..............and by staying............ --------> Parallel
IMO E
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
sayantanc2k wrote:
baaniNitin wrote:
and financial Services -----last one in the list ------> eliminate A,B
by providing..............and by staying............ --------> Parallel
IMO E

What is problem with D? Consider a simpler example:

By eating healthy and sleeping plenty, I improved my health.

Is the preposition by required before the second gerund as well?

To answer this question, let us recollect the Once in twice out rule:

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.

This ambiguity often occurs with AND structure because we cannot determine where the parallelism starts, whether the preposition is inside or outside. However, for two-part structures such as NOT ONLY.... BUT ALSO, it is easy to determine whether the preposition is outside or inside and such ambiguity does not occur.

sayantanc2k - yes you are correct we can take BY as common but it does not sounds good to me in this question
By providing such services as mortgages, home improvement loans, automobile loans and financial advice and staying within the metropolitan areas, Acme Bank has become one of the most profitable savings banks in the nation.

it looks like a continuation of a list

but if we use by staying then AND is used as a conjunction of two sentence

Correct me if i am wrong
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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baaniNitin wrote:
sayantanc2k wrote:
baaniNitin wrote:
and financial Services -----last one in the list ------> eliminate A,B
by providing..............and by staying............ --------> Parallel
IMO E

What is problem with D? Consider a simpler example:

By eating healthy and sleeping plenty, I improved my health.

Is the preposition by required before the second gerund as well?

To answer this question, let us recollect the Once in twice out rule:

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.

This ambiguity often occurs with AND structure because we cannot determine where the parallelism starts, whether the preposition is inside or outside. However, for two-part structures such as NOT ONLY.... BUT ALSO, it is easy to determine whether the preposition is outside or inside and such ambiguity does not occur.

sayantanc2k - yes you are correct we can take BY as common but it does not sounds good to me in this question
By providing such services as mortgages, home improvement loans, automobile loans and financial advice and staying within the metropolitan areas, Acme Bank has become one of the most profitable savings banks in the nation.

it looks like a continuation of a list

but if we use by staying then AND is used as a conjunction of two sentence

Correct me if i am wrong

Hi baaniNitin,

If there were 2 sentences, your reasoning would definitely be correct:

By providing XXX, Acme bank did YYY, and by staying within ZZZ, Acme bank has become WWW.

The preposition by is required before staying in the above sentence.

However please observe that there are no 2 sentences. By providing such services as mortgages, home improvement loans, automobile loans, and financial advice is not a sentence !

The construction is:

By providing XXX and (by) staying within YYY, Acme Bank has become ZZZ.

The conjunction AND is joining 2 gerunds here.

Thus I would say you may or may not use by before staying . In either case the sentence would be correct for the reason (Once out twice in rule) mentioned in my previous post...... for the same reason that By eating healthy and (by) sleeping plenty, I improved my health is correct either way.

Do you think I have a flaw in my reasoning?
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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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.
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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.

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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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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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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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Re: By providing such services as mortgages, home improvement loans, [#permalink]
Could anyone suggest an explanation to the fact that if we put parallel marker after "By",we don't need to consider putting "by" again as given in option "E" that ultimately leaves us with option "d" as a correct answer choice...???

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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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utkarsh0892 wrote:
Could anyone suggest an explanation to the fact that if we put parallel marker after "By",we don't need to consider putting "by" again as given in option "E" that ultimately leaves us with option "d" as a correct answer choice...???
Hi utkarsh0892,

Have you gone through these two posts?
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Re: By providing such services as mortgages, home improvement loans, [#permalink]
Hi AjiteshArun, the mentioned links are not working. I have selected E but the doubt still persists regarding the usage of second 'by'.
Thanks,
Ankush

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Re: By providing such services as mortgages, home improvement loans, [#permalink]
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