Check GMAT Club Decision Tracker for the Latest School Decision Releases https://gmatclub.com/AppTrack
GMAT Club

 It is currently 27 Mar 2017, 11:45

### 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

# Interest rates on mortgages have declined steadily during

Author Message
TAGS:

### Hide Tags

Director
Joined: 26 Sep 2005
Posts: 575
Location: Munich,Germany
Followers: 1

Kudos [?]: 19 [0], given: 0

### Show Tags

13 Feb 2006, 22:00
00:00

Difficulty:

(N/A)

Question Stats:

92% (02:14) correct 8% (00:54) wrong based on 15 sessions

### HideShow timer Statistics

Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged
If you have any questions
New!
VP
Joined: 20 Sep 2005
Posts: 1020
Followers: 3

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

Re: SC - interest rates [#permalink]

### Show Tags

13 Feb 2006, 22:12
Dang...E it is ! Picked B ....read remain as remained..which makes the simple past tense correct.

In the original sentence, order of the past and the present are flipped.

Vivek, like your new avatar....recently recovered from GMAT withdrawl symptoms and plan to be back with a vengeance.

shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged
Director
Joined: 26 Sep 2005
Posts: 575
Location: Munich,Germany
Followers: 1

Kudos [?]: 19 [0], given: 0

### Show Tags

13 Feb 2006, 22:17
OA is E but can someone explain the answer choices.
VP
Joined: 20 Sep 2005
Posts: 1020
Followers: 3

Kudos [?]: 36 [1] , given: 0

Re: SC - interest rates [#permalink]

### Show Tags

13 Feb 2006, 22:24
1
KUDOS
Two points in "time" are mentioned are here...

Rates declined during the first 6 months. Rates remained unchanged in the next 3 months.

If you were to make a sentence using two simple past tenses, it would be correct but no answer choices match that. "B" comes close but it has "remain" instead of remained.

Thus, the next 3 months is up to the current time and "continuing..". We need present prefect....declined for first 6 months and "have" remained unchanged for the next 3 months till the present "time". "E" captures this correctly.

shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged
SVP
Joined: 14 Dec 2004
Posts: 1702
Followers: 3

Kudos [?]: 142 [0], given: 0

Re: SC - interest rates [#permalink]

### Show Tags

13 Feb 2006, 22:28
lhotseface wrote:
Two points in "time" are mentioned are here...

Rates declined during the first 6 months. Rates remained unchanged in the next 3 months.

If you were to make a sentence using two simple past tenses, it would be correct but no answer choices match that. "B" comes close but it has "remain" instead of remained.

Thus, the next 3 months is up to the current time and "continuing..". We need present prefect....declined for first 6 months and "have" remained unchanged for the next 3 months till the present "time". "E" captures this correctly.

shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Perfecto!!!
This SC plays with the "time" machine!

Current Student
Joined: 29 Jan 2005
Posts: 5237
Followers: 26

Kudos [?]: 394 [0], given: 0

### Show Tags

18 Feb 2006, 09:46
Late, but (E) works here for the correct use of the present perfect tense. This year hasn`t finished yet.
Senior Manager
Joined: 11 Jan 2006
Posts: 269
Location: Chennai,India
Followers: 1

Kudos [?]: 4 [0], given: 0

### Show Tags

18 Feb 2006, 11:35
Late but picked E . thnks lhotseface for ur explanation.. i picked E in POE, but never thot of the tense explanations. May be i shld pick on that to improvise... n welcome back dear... GMAT is to be cracked best of luck
_________________

vazlkaiye porkalam vazltuthan parkanum.... porkalam maralam porkalthan maruma

CEO
Joined: 21 Jan 2007
Posts: 2756
Location: New York City
Followers: 11

Kudos [?]: 900 [0], given: 4

Re: SC - interest rates [#permalink]

### Show Tags

29 Jun 2007, 13:15
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Is there a preferred/correct syntax regarding verb + adverb rather than adverb + verb? (declined steadily and steaily declined)
Manager
Joined: 07 May 2007
Posts: 178
Followers: 2

Kudos [?]: 52 [0], given: 0

### Show Tags

29 Jun 2007, 21:54
This is how I approached

I eliminated A and B because of 'virtually remained unchanged' which is different from 'remained virtually unchanged'

Eliminated C bcos of 'remain'

Selected E becuase of present perfect
Manager
Joined: 20 Mar 2007
Posts: 82
Followers: 1

Kudos [?]: 1 [0], given: 0

Re: SC - interest rates [#permalink]

### Show Tags

30 Jun 2007, 08:49
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchanging
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Pretty much all the reds, when you plug it into the sentence modifies "during the next three months" in someway, most of them not making any sense.

E is correct.
Senior Manager
Joined: 04 Jun 2007
Posts: 373
Followers: 1

Kudos [?]: 70 [0], given: 0

Re: SC - interest rates [#permalink]

### Show Tags

10 Aug 2007, 13:16
bmwhype2 wrote:
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Is there a preferred/correct syntax regarding verb + adverb rather than adverb + verb? (declined steadily and steaily declined)

steadily declined is a split infinitive isn't it? like 'sharply rise' or 'loudly screamed' and so declined steadily would be preferable.
Director
Joined: 29 Jul 2006
Posts: 871
Followers: 3

Kudos [?]: 120 [0], given: 0

Re: SC - interest rates [#permalink]

### Show Tags

10 Aug 2007, 14:11
r019h wrote:
bmwhype2 wrote:
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Is there a preferred/correct syntax regarding verb + adverb rather than adverb + verb? (declined steadily and steaily declined)

steadily declined is a split infinitive isn't it? like 'sharply rise' or 'loudly screamed' and so declined steadily would be preferable.

'to sharply rise' is a split infinitive...'to' is necessary.
Manager
Joined: 22 May 2006
Posts: 184
Followers: 1

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

Re: SC - interest rates [#permalink]

### Show Tags

16 Aug 2007, 20:24
bmwhype2 wrote:
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Is there a preferred/correct syntax regarding verb + adverb rather than adverb + verb? (declined steadily and steaily declined)

I think adverbs can come before or after a verb. There is no rule or preference for the position of adverbs in written English. I don't know about GMAT English!
CEO
Joined: 29 Mar 2007
Posts: 2575
Followers: 20

Kudos [?]: 435 [0], given: 0

Re: SC - interest rates [#permalink]

### Show Tags

16 Aug 2007, 22:44
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Almost picked bee but realized that B had remain not remained...

A: have is in the wrong place
B: two simple tenses work, but this is not the case in B
C: steadily declined is kinda akward and again this sentence still has the same problem as B... "remain"
D:I assume year is not in this sentence b/c of a typo. Anyway "have remained virtually unchanging" is akward and doesn't really make much sense.

E: is the only choice that makes any sense.
Manager
Joined: 21 Aug 2006
Posts: 243
Location: Singapore
Followers: 1

Kudos [?]: 6 [0], given: 0

Re: SC - interest rates [#permalink]

### Show Tags

18 Aug 2007, 01:38
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Since the first 6 months have passed, we can eliminate A and C.
Present perfect is the correct usage for the next 3 months.

So E is it
CEO
Joined: 21 Jan 2007
Posts: 2756
Location: New York City
Followers: 11

Kudos [?]: 900 [0], given: 4

Re: SC - interest rates [#permalink]

### Show Tags

08 Sep 2007, 22:54
robinantony wrote:
bmwhype2 wrote:
shahnandan wrote:
Interest rates on mortgages have declined steadily during the first six months of this year but virtually remained unchanged during the next three months.

(A) have declined steadily during the first six months of this year but virtually remained unchanged
(B) declined steadily during the first six months of this year but virtually remain unchanged
(C) steadily declined during the first six months of this year but remain virtually unchanged
(D) declined steadily during the first six months of this but have remained virtually unchangingâ€™
(E) declined steadily during the first six months of this year but have remained virtually unchanged

Is there a preferred/correct syntax regarding verb + adverb rather than adverb + verb? (declined steadily and steaily declined)

I think adverbs can come before or after a verb. There is no rule or preference for the position of adverbs in written English. I don't know about GMAT English!

ok. according to Manhattan Review SC guide, it does not matter
Intern
Joined: 30 Aug 2007
Posts: 34
Followers: 0

Kudos [?]: 2 [0], given: 0

### Show Tags

18 Sep 2007, 03:14
iamba wrote:
This is how I approached

I eliminated A and B because of 'virtually remained unchanged' which is different from 'remained virtually unchanged'

Eliminated C bcos of 'remain'

Selected E becuase of present perfect

Could someone elaborate with these two phrases are different.

Thanks
GMAT Club Legend
Joined: 01 Oct 2013
Posts: 10671
Followers: 958

Kudos [?]: 214 [0], given: 0

### Show Tags

06 Apr 2014, 11:21
Hello from the GMAT Club VerbalBot!

Thanks to another GMAT Club member, I have just discovered this valuable topic, yet it had no discussion for over a year. I am now bumping it up - doing my job. I think you may find it valuable (esp those replies with Kudos).

Want to see all other topics I dig out? Follow me (click follow button on profile). You will receive a summary of all topics I bump in your profile area as well as via email.
Re: Interest rates on mortgages have declined steadily during   [#permalink] 06 Apr 2014, 11:21
Similar topics Replies Last post
Similar
Topics:
The delinquency rates on mortgages for office buildings, 9 09 Oct 2009, 15:11
1 Interest rates on mortgages have declined steadily during 3 20 May 2009, 17:56
Interest rates on mortgages have declined steadily during 8 20 Jun 2008, 05:59
The delinquency rates on mortgages for office buildings, 6 08 Sep 2007, 11:09
During the recession of 1973, home mortgage foreclosures 4 11 May 2007, 12:29
Display posts from previous: Sort by