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# Controversial mortgage laws passed last year state that, if

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Controversial mortgage laws passed last year state that, if [#permalink]

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22 Jul 2009, 19:32
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47% (01:42) correct 53% (00:44) wrong based on 1267 sessions

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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.

(A) will have responsibilities that include paying
(B) will be responsible to pay
(C) is responsible to pay
(D) will be responsible for paying
(E) is responsible for paying
[Reveal] Spoiler: OA

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Last edited by reto on 28 Jul 2015, 09:59, edited 1 time in total.
correct underline and ac
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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22 Jul 2009, 23:09
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IMO D

This is a hypothetical "If...then..." clause. (Note: then is optional in the sentence)
When we want to predict something conditional about the future, we can use the present tense in the if clause and will + the base form of the verb in the result clause.
Thus option C and E are out for using "is" instead of "will".

The correct Idiom is "Responsible for" and NOT "Responsible to". E.g I'm responsible for my low gmat scores.
Thus option B and C is out for using incorrect idiom "Responsible to".

Option A is wordy and awkward.
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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23 Jul 2009, 01:45
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irajeevsingh wrote:
sure, the idiom is "responsibility to" and not "responsible to".

irajeevsingh wrote:
Should be B.

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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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22 Jul 2009, 23:51
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sure, the idiom is "responsibility to" and not "responsible to".
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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22 Jul 2009, 20:49
My logic -

Involves parallelism - "not able to meet".......will be responsible to pay

What is OA
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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22 Jul 2009, 21:19
agree with B.
If Clause & Parallelism
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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23 Jul 2009, 01:36
irajeevsingh wrote:
sure, the idiom is "responsibility to" and not "responsible to".

both '[the] responsibility to', and 'responsible for' are the correct idioms
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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23 Jul 2009, 03:25
go with D.

good explanation bigoyal. +1
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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01 Jul 2010, 13:00
i 'd for D

my logic behind was that since paying the mortgage is an act with continuity, then the -ing form of the verb is more appropriate. if going for ing then have to choose "for" over to
i agree with all of you above re choosing "will" over "is"
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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02 Jul 2010, 00:28
to be "responsible for" is to be accountable, or chargeable with being
the author or cause of something. Paying for the consequences of you
actions or inactions. For example, US is responsible
for the state of insecurity in Afghanistan.

To be "responsible to", I think should be a form of loyalty (or being
answerable) to a higher authority...is it? for example, the House of Reps
is responsible to the upper Senate.

D, in this instance, is the correct option.
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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06 Jul 2010, 23:51
D, 'responsible for' sounds good
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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07 Jul 2010, 00:01
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Good summary...

I incorrectly picked B also. Must memorize idiom:

responsibility to
and
responsible for
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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05 Jul 2011, 18:36
It's D. responsible for is the right idiom.

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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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06 Jul 2011, 03:48
Knowing the correct idiom 'responsible for' eliminates A,B,C. The sentence speaks of a hypothetical situation where a person is unable to pay his/her dues, so the consequence should be in the future tense "Will" and not present tense "is"
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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06 Jul 2011, 11:39
+1 D, if statement, so future tense needed. responsible for" is correct
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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07 Sep 2011, 09:15
Quote:
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.

(A) will have responsibilities that include
(B) will be responsible to pay
(C) is responsible to pay
(D) will be responsible for
(E) is responsible for paying

[Reveal] Spoiler:
D

Idiom: 'responsible for'
'if...will..'

Quote:

bigoyal wrote:

This is a hypothetical "If...then..." clause. (Note: then is optional in the sentence)
When we want to predict something conditional about the future, we can use the present tense in the if clause and will + the base form of the verb in the result clause.
Thus option C and E are out for using "is" instead of "will".

The correct Idiom is "Responsible for" and NOT "Responsible to". E.g I'm responsible for my low gmat scores.
Thus option B and C is out for using incorrect idiom "Responsible to".

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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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17 Dec 2011, 23:42
D.
Responsible for ....is the correct idiom.
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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18 Dec 2011, 02:07
I am confused between B and D,

can anyone clearly explain the difference B and D and also please share the OA..

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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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18 Dec 2011, 08:59
If present, then future

be responsible for

D is the correct one.
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Re: Controversial mortgage laws passed last year state that, if [#permalink]

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09 Jul 2012, 12:16
tenaman10 wrote:
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.

(A) will have responsibilities that include
(B) will be responsible to pay
(C) is responsible to pay
(D) will be responsible for paying
(E) is responsible for paying

Can someone help me understand why the answer is not "E"?

The opening of the sentence states that the law has already passed. There is certainty there, and therefore wouldn't the conditional statement be more factual based? In other words, wouldn't the correct form be "...if the person is not able to meet the payments, that person's spouse is responsible for paying"?

The law part of it makes it seem that this is now an established sequence of events, making me think that simple present can be used.

Furthermore, for hypothetical situations, wouldn't you use the word "would"?

From e-GMAT, the rules for using "would" include:
- dealing with a hypothetical situation
- an assumption
- expectation of future event.

"will" on the other hand, describes certainty, in which case, isn't the simple present choice "e" better because it also maintains idiom?

edit: I think I get it. I was looking at it from a macro level. The law sets a condition in a hypothetical situation in which if a person cannot pay, his or her spouse will have to pay. I had originally thought that the law itself had stated a fact, but the law actually set up a condition in case this situation plays out...am I right here or did I just confuse everyone even more?

edit 2: what's the source of this question? I know I'm being super-picky here, but I WANT to score a 40+ on my verbal.
Re: Controversial mortgage laws passed last year state that, if   [#permalink] 09 Jul 2012, 12:16

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