It is currently 11 Dec 2017, 21:38

### GMAT Club Daily Prep

#### Thank you for using the timer - this advanced tool can estimate your performance and suggest more practice questions. We have subscribed you to Daily Prep Questions via email.

Customized
for You

we will pick new questions that match your level based on your Timer History

Track

every week, we’ll send you an estimated GMAT score based on your performance

Practice
Pays

we will pick new questions that match your level based on your Timer History

# Events & Promotions

###### Events & Promotions in June
Open Detailed Calendar

# Declining values for farm equipment and land, the collateral against w

Author Message
TAGS:

### Hide Tags

Intern
Joined: 13 Jun 2010
Posts: 18

Kudos [?]: 36 [0], given: 0

Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

17 Oct 2011, 00:10
18
This post was
BOOKMARKED
00:00

Difficulty:

55% (hard)

Question Stats:

51% (00:55) correct 49% (01:02) wrong based on 1256 sessions

### HideShow timer Statistics

Declining values for farm equipment and land, the collateral against which farmers borrow to get through the harvest season, is going to force many lenders to tighten or deny credit this spring.

(A) the collateral against which farmers borrow to get through the harvest season, is

(B) which farmers use as collateral to borrow against to get through the harvest season, is

(C) the collateral which is borrowed against by farmers to get through the harvest season, is

(D) which farmers use as collateral to borrow against to get through the harvest season, are

(E) the collateral against which farmers borrow to get through the harvest season, are

[Reveal] Spoiler:
Question1:
Declining values for farm equipment and land, the collateral against which farmers borrow to get through the harvest season, is going to force many lenders to tighten or deny credit this spring.

(D) which farmers use as collateral to borrow against to get through the harvest season, are
(E) the collateral against which farmers borrow to get through the harvest season, are

In E what does the appositive "collateral" really modify - "declining values..." or "farm equipment and land".

Question2:
If I changed (D) to the below

(D) which farmers use as collateral to get through the harvest season, are
(E) the collateral against which farmers borrow to get through the harvest season, are

Now from the above two which would you choose as the answer?

Cheers
Gmatrant
[Reveal] Spoiler: OA

Kudos [?]: 36 [0], given: 0

Director
Status: Prep started for the n-th time
Joined: 29 Aug 2010
Posts: 672

Kudos [?]: 200 [0], given: 37

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

17 Oct 2011, 19:27
Quote:
In E what does the appositive "collateral" really modify - "declining values..." or "farm equipment and land"

Collateral is a noun. In the sentence it is part of the noun modifier and modifying "farm equipment and land"

Declining values for farm equipment and land, the collateral against which farmers.....

Crick

Kudos [?]: 200 [0], given: 37

Manager
Joined: 21 Apr 2011
Posts: 128

Kudos [?]: 47 [0], given: 12

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

01 Nov 2011, 23:38
gmatrant wrote:
Question1:
Declining values for farm equipment and land, the collateral against which farmers borrow to get through the harvest season, is going to force many lenders to tighten or deny credit this spring.

(D) which farmers use as collateral to borrow against to get through the harvest season, are
(E) the collateral against which farmers borrow to get through the harvest season, are

In E what does the appositive "collateral" really modify - "declining values..." or "farm equipment and land".

Question2:
If I changed (D) to the below

(D) which farmers use as collateral to get through the harvest season, are
(E) the collateral against which farmers borrow to get through the harvest season, are

Now from the above two which would you choose as the answer?

Cheers
Gmatrant

E wins. Collateral modifies "values" hence "are"

Kudos [?]: 47 [0], given: 12

Director
Status: Enjoying the GMAT journey....
Joined: 26 Aug 2011
Posts: 713

Kudos [?]: 593 [0], given: 264

Location: India
GMAT 1: 620 Q49 V24
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

29 Jan 2012, 10:51
Yeah E it is..a noun + noun modifier.
_________________

Fire the final bullet only when you are constantly hitting the Bull's eye, till then KEEP PRACTICING.

A WAY TO INCREASE FROM QUANT 35-40 TO 47 : http://gmatclub.com/forum/a-way-to-increase-from-q35-40-to-q-138750.html

Q 47/48 To Q 50 + http://gmatclub.com/forum/the-final-climb-quest-for-q-50-from-q47-129441.html#p1064367

Three good RC strategies http://gmatclub.com/forum/three-different-strategies-for-attacking-rc-127287.html

Kudos [?]: 593 [0], given: 264

Manager
Joined: 25 Aug 2011
Posts: 197

Kudos [?]: 387 [2], given: 11

Location: India
GMAT 1: 730 Q49 V40
WE: Operations (Insurance)
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

05 Mar 2012, 21:22
2
KUDOS
9
This post was
BOOKMARKED
234. Declining values for farm equipment and land, the collateral against which farmers borrow to get through the harvest season, is going to force many lenders to tighten or deny credit this spring.

(A) the collateral against which farmers borrow to get through the harvest season, is
(B) which farmers use as collateral to borrow against to get through the harvest season, is
(C) the collateral which is borrowed against by farmers to get through the harvest season, is
(D) which farmers use as collateral to borrow against to get through the harvest season, are
(E) the collateral against which farmers borrow to get through the harvest season, are

Ques
- Can I say D is incorrect because it is passive construction
- the which in D-is modifying only land or farm equipment and land.

Last edited by ankurgupta03 on 27 Feb 2014, 00:38, edited 1 time in total.
underlined the question

Kudos [?]: 387 [2], given: 11

Intern
Joined: 23 Sep 2009
Posts: 4

Kudos [?]: [0], given: 12

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

05 Mar 2012, 21:41
D sounds like the modifier is for 'declining value'. right?

Kudos [?]: [0], given: 12

Manager
Joined: 25 Aug 2011
Posts: 197

Kudos [?]: 387 [0], given: 11

Location: India
GMAT 1: 730 Q49 V40
WE: Operations (Insurance)
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

05 Mar 2012, 21:46
outbackvandy wrote:
D sounds like the modifier is for 'declining value'. right?

Which can modify only the noun preceding

Kudos [?]: 387 [0], given: 11

Senior Manager
Joined: 08 Jun 2010
Posts: 386

Kudos [?]: 102 [0], given: 13

Location: United States
Concentration: General Management, Finance
GMAT 1: 680 Q50 V32
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

05 Mar 2012, 23:35
The first part or before the comma is modifying "the collateral". Declining values is the subject of the overall sentence and happens to be plural. Therefore, the verb needs to be plural "are". The answer is E.

Kudos [?]: 102 [0], given: 13

Manager
Joined: 25 Aug 2011
Posts: 197

Kudos [?]: 387 [0], given: 11

Location: India
GMAT 1: 730 Q49 V40
WE: Operations (Insurance)
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

06 Mar 2012, 00:40
mourinhogmat1 wrote:
The first part or before the comma is modifying "the collateral". Declining values is the subject of the overall sentence and happens to be plural. Therefore, the verb needs to be plural "are". The answer is E.

The catch here is between option D and E - both use "are". Please explain the difference

Kudos [?]: 387 [0], given: 11

Senior Manager
Joined: 08 Jun 2010
Posts: 386

Kudos [?]: 102 [0], given: 13

Location: United States
Concentration: General Management, Finance
GMAT 1: 680 Q50 V32
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

06 Mar 2012, 00:57
devinawilliam83 wrote:
mourinhogmat1 wrote:
The first part or before the comma is modifying "the collateral". Declining values is the subject of the overall sentence and happens to be plural. Therefore, the verb needs to be plural "are". The answer is E.[/
quote]
The catch here is between option D and E - both use "are". Please explain the difference

Between D and E it's pretty straight forward. "which" is modifying the harvest seasons in D. This is wrong because original intention is to say : declining values = collateral --> used by farmers and NOT harvest season = collateral --> used by farmers.

Kudos [?]: 102 [0], given: 13

Intern
Status: Obsessed with failure!
Joined: 29 May 2011
Posts: 28

Kudos [?]: 12 [0], given: 29

Location: India
Concentration: General Management, Marketing
GMAT 1: 630 Q47 V29
GMAT 2: 540 Q41 V23
GMAT 3: 610 Q39 V35
WE: Programming (Computer Software)
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

06 Mar 2012, 02:40
Hey,

IMO, in most of the questions i have encountered so far an '-ing' modifier at the beginning of the sentence modifies a Noun. In this case, The collateral is the Noun, which the 'Declining values..' modifies.

Also, most of the times the relative pronoun 'which' refers to the preceding noun. But, at times 'which' when preceded by a Noun + prepositional phrase will refer to the Noun.

In this question, 'which' can also refer to the 'Declining values'. But, choice 'E' overrides this ambiguity by using 'the collateral' to be modified by the '-ing' modifier.

Please correct me if am wrong.

HTH.
Cheers!
_________________

Character is what you have left when you've lost everything you can lose!

Obliterated into oblivion 630 -> 540 -> A Big SOS!

Kudos [?]: 12 [0], given: 29

Manager
Joined: 10 Nov 2010
Posts: 244

Kudos [?]: 421 [0], given: 22

Location: India
Concentration: Strategy, Operations
GMAT 1: 520 Q42 V19
GMAT 2: 540 Q44 V21
WE: Information Technology (Computer Software)
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

06 Mar 2012, 03:40
Correct answer is E --the collateral is appositive here modifying farm equipment and land

D -- is quite awkward though don't have Subject Verb Agreement error
_________________

The proof of understanding is the ability to explain it.

Kudos [?]: 421 [0], given: 22

Manager
Status: And the Prep starts again...
Joined: 03 Aug 2010
Posts: 136

Kudos [?]: 63 [0], given: 20

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

07 Mar 2012, 19:51
Modifier question -- B and D out.

Now isnt the answer supposed to be A?
the collateral against which farmers borrow to get through the harvest season, is
_________________

My First Blog on my GMAT Journey

Arise, Awake and Stop not till the goal is reached

Kudos [?]: 63 [0], given: 20

Manager
Status: I will be back!
Joined: 13 Feb 2012
Posts: 67

Kudos [?]: 74 [1], given: 38

Location: India
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

15 Mar 2012, 03:50
1
KUDOS
ENAFEX wrote:
Modifier question -- B and D out.

Now isnt the answer supposed to be A?
the collateral against which farmers borrow to get through the harvest season, is

Declining values for farm equipment and land,---------, is going to force many lenders to tighten or deny credit this spring

therefore it should be 'are' not 'is' (Declining values is plural).

correct me if i am wrong.

_________________

Gmat FlashCard For Anki

Kudos [?]: 74 [1], given: 38

Manager
Status: And the Prep starts again...
Joined: 03 Aug 2010
Posts: 136

Kudos [?]: 63 [0], given: 20

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

15 Mar 2012, 06:02
ENAFEX wrote:
Modifier question -- B and D out.

Now isnt the answer supposed to be A?
the collateral against which farmers borrow to get through the harvest season, is

Declining values for farm equipment and land,---------, is going to force many lenders to tighten or deny credit this spring

therefore it should be 'are' not 'is' (Declining values is plural).

correct me if i am wrong.

You are right. Thanks. Not sure what I was thinking about. May be I got carried away reading only the anwer choices..
_________________

My First Blog on my GMAT Journey

Arise, Awake and Stop not till the goal is reached

Kudos [?]: 63 [0], given: 20

Manager
Joined: 14 Feb 2012
Posts: 225

Kudos [?]: 310 [11], given: 7

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

17 Mar 2012, 02:24
11
KUDOS
38
This post was
BOOKMARKED
Declining values for farm equipment and land, the collateral against which farmers borrow to get through
the harvest season, is
going to force many lenders to tighten or deny credit this spring.

(A) the collateral against which farmers borrow to get through the harvest season, is
(B) which farmers use as collateral to borrow against to get through the harvest season, is
(C) the collateral which is borrowed against by farmers to get through the harvest season, is
(D) which farmers use as collateral to borrow against to get through the harvest season, are
(E) the collateral against which farmers borrow to get through the harvest season, are

[Reveal] Spoiler:
Between D and E.....

E modifies the whole clause "Declining values for farm equipment and land".....which i think is inappropriate
where as which in D refers to farm equipment and land (used as collateral) ....so this must be correct...

experts please throw some light on this.....

_________________

The Best Way to Keep me ON is to give Me KUDOS !!!
If you Like My posts please Consider giving Kudos

Shikhar

Kudos [?]: 310 [11], given: 7

Manager
Status: And the Prep starts again...
Joined: 03 Aug 2010
Posts: 136

Kudos [?]: 63 [1], given: 20

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

17 Mar 2012, 04:08
1
KUDOS
In this question the placement of commas is very important and it makes life tedious when the question is not underlined. Please underline the wrong part the next time you post a question.

We require a plural are, So A,B, C are out.

In both D and E, I will not say there are modifier errors as in both cases they make clear references. The issue in D is the preposition 'Which', which stays away from the noun collateral and makes it wordy. In E prep against stays close to the noun collateral.

which farmers use as collateral to borrow....
And
the collateral against which farmers borrow....
_________________

My First Blog on my GMAT Journey

Arise, Awake and Stop not till the goal is reached

Kudos [?]: 63 [1], given: 20

Director
Status: Prep started for the n-th time
Joined: 29 Aug 2010
Posts: 672

Kudos [?]: 200 [0], given: 37

Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

17 Mar 2012, 05:54
E is the winner.

D has modifier error as which seems to modify land.
Crick

Kudos [?]: 200 [0], given: 37

Manager
Joined: 07 Dec 2011
Posts: 150

Kudos [?]: 41 [0], given: 31

Location: India
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

23 Mar 2012, 09:40
E seems to be the answer in my opinion

Kudos [?]: 41 [0], given: 31

Manager
Joined: 07 Dec 2011
Posts: 150

Kudos [?]: 41 [0], given: 31

Location: India
Re: Declining values for farm equipment and land, the collateral against w [#permalink]

### Show Tags

23 Mar 2012, 16:44
E. The question has been discussed in a recent thread.

Kudos [?]: 41 [0], given: 31

Re: Declining values for farm equipment and land, the collateral against w   [#permalink] 23 Mar 2012, 16:44

Go to page    1   2   3   4    Next  [ 68 posts ]

Display posts from previous: Sort by