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# Over the past few years, banks have systematically raised

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VP
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Over the past few years, banks have systematically raised  [#permalink]

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Updated on: 24 May 2013, 09:34
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76% (01:10) correct 24% (01:26) wrong based on 502 sessions

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Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid

(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.

(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid

(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers

(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.

OA will be updated soon....

Consider kudos if my post helps!!!

Archit

Originally posted by Archit143 on 24 May 2013, 02:32.
Last edited by Archit143 on 24 May 2013, 09:34, edited 1 time in total.
##### Most Helpful Community Reply
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Re: Over the past few years, banks have systematically raised  [#permalink]

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24 May 2013, 03:20
9
3
Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid
CORRECT: "have raised" correctly expresses an action that started in the past and continues in the present(or has an effect in the present). "and" connects two parallel actions by the banks that are expresses in the same way, keeping the parallen structure
The sentence is clear
(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.
Over the past few years, banks are (...) raising and inventing; is is a wrong usage of the ING form as verb. (the correct verb tense is present perfect: refer to A)
(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid
The ING form requires "to be", if used as a verb (like in this case) : "are raising". However the verb tense is wrong (refer to A)
(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers
My main point to eliminate D is "avoiding". As an "COMMA + ING" it modifies the preceding clause.
When you find a construct like this keep in mind this rule: ", + ING" refers to the preceding clause, it generally expresses a consequence of the previous action or adds information/expalain it, and must "make sense" with the previous subject.
"banks raised (...) avoiding " is wrong
(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.
What does them refer to? banks or fees? Not clear

Archit143 wrote:
Last year, Archit visited Europe
Last year, Archit has visited Europe.

Which one is correct and why?

The correct usage of present perfect is
"The present perfect simple expresses an action that is still going on or that stopped recently, but has an influence on the present."

In this case the correct option is the first one.

Keep in mind also that when you specify a time ("last year") you CANNOT use present perfect.
"over the past few years" is not a specified time, and you can use the present perfect with expressions like :never, many times,...

Hope it's clear, let me know
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##### General Discussion
VP
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Re: Over the past few years, banks have systematically raised  [#permalink]

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24 May 2013, 02:36
I have a doubt in answer choice A...From what i have learned; we cannot use present perfect tense with a time reference, unless since and within are used.
So how can we use here in this context.

Last year, Archit visited Europe
Last year, Archit has visited Europe.

Which one is correct and why?

Consider kudos if my post helps!!!

Archit
VP
Status: Final Lap Up!!!
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Joined: 21 Sep 2012
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GMAT 1: 410 Q35 V11
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GMAT 3: 630 Q45 V31
GPA: 3.84
WE: Engineering (Transportation)
Re: Over the past few years, banks have systematically raised  [#permalink]

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24 May 2013, 06:03
+1 to you..Zarrolou...
Great explanation.

Archit
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GMAT 1: 410 Q35 V11
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Re: Over the past few years, banks have systematically raised  [#permalink]

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24 May 2013, 09:33
1
Adding the OA...

Consider kudos if post helps!!!

Archit
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Re: Over the past few years, banks have systematically raised  [#permalink]

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18 Sep 2013, 19:53
I am curious about the verb tense in Choice A:
"Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid. "

"Invented" here is a past tense or a present perfect? Does "Have" apply to "invented" as well?

There is this problem in Gmatprep where "have" is applied to "seen" as well:
"Visitors to the park have often looked up into the leafy canopy and seen..."

Thank you!
Manager
Joined: 23 Aug 2013
Posts: 54
Re: Over the past few years, banks have systematically raised  [#permalink]

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18 Sep 2013, 22:45
Archit143 wrote:
I have a doubt in answer choice A...From what i have learned; we cannot use present perfect tense with a time reference, unless since and within are used.
So how can we use here in this context.

Last year, Archit visited Europe
Last year, Archit has visited Europe.

Which one is correct and why?

Consider kudos if my post helps!!!

Archit

Last year, Archit visited Europe is the correct one, as it is a specific point in time and so the past tense is the correct choice

has visited indicates continuing action, which is illogical in this particular example.
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Re: Over the past few years, banks have systematically raised  [#permalink]

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16 Apr 2014, 15:48
Zarrolou wrote:
Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid
CORRECT: "have raised" correctly expresses an action that started in the past and continues in the present(or has an effect in the present). "and" connects two parallel actions by the banks that are expresses in the same way, keeping the parallen structure
The sentence is clear
(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.
Over the past few years, banks are (...) raising and inventing; is is a wrong usage of the ING form as verb. (the correct verb tense is present perfect: refer to A)
(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid
The ING form requires "to be", if used as a verb (like in this case) : "are raising". However the verb tense is wrong (refer to A)
(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers
My main point to eliminate D is "avoiding". As an "COMMA + ING" it modifies the preceding clause.
When you find a construct like this keep in mind this rule: ", + ING" refers to the preceding clause, it generally expresses a consequence of the previous action or adds information/expalain it, and must "make sense" with the previous subject.
"banks raised (...) avoiding " is wrong
(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.
What does them refer to? banks or fees? Not clear

Archit143 wrote:
Last year, Archit visited Europe
Last year, Archit has visited Europe.

Which one is correct and why?

The correct usage of present perfect is
"The present perfect simple expresses an action that is still going on or that stopped recently, but has an influence on the present."

In this case the correct option is the first one.

Keep in mind also that when you specify a time ("last year") you CANNOT use present perfect.
"over the past few years" is not a specified time, and you can use the present perfect with expressions like :never, many times,...

Hope it's clear, let me know

Hi Team,
I have a very simple doubt.Please help me to understand.

(A) banks [b]have
systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid

Here "That" are harder is referring to only new ones or both old fees and new ones?
(My question is as per the rule the That refer to close noun)..Please help me..[/b]
Manager
Joined: 23 Aug 2013
Posts: 54
Re: Over the past few years, banks have systematically raised  [#permalink]

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17 Apr 2014, 10:23
sanjeebpanda wrote:
Zarrolou wrote:
Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid
CORRECT: "have raised" correctly expresses an action that started in the past and continues in the present(or has an effect in the present). "and" connects two parallel actions by the banks that are expresses in the same way, keeping the parallen structure
The sentence is clear
(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.
Over the past few years, banks are (...) raising and inventing; is is a wrong usage of the ING form as verb. (the correct verb tense is present perfect: refer to A)
(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid
The ING form requires "to be", if used as a verb (like in this case) : "are raising". However the verb tense is wrong (refer to A)
(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers
My main point to eliminate D is "avoiding". As an "COMMA + ING" it modifies the preceding clause.
When you find a construct like this keep in mind this rule: ", + ING" refers to the preceding clause, it generally expresses a consequence of the previous action or adds information/expalain it, and must "make sense" with the previous subject.
"banks raised (...) avoiding " is wrong
(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.
What does them refer to? banks or fees? Not clear

Archit143 wrote:
Last year, Archit visited Europe
Last year, Archit has visited Europe.

Which one is correct and why?

The correct usage of present perfect is
"The present perfect simple expresses an action that is still going on or that stopped recently, but has an influence on the present."

In this case the correct option is the first one.

Keep in mind also that when you specify a time ("last year") you CANNOT use present perfect.
"over the past few years" is not a specified time, and you can use the present perfect with expressions like :never, many times,...

Hope it's clear, let me know

Hi Team,
I have a very simple doubt.Please help me to understand.

(A) banks [b]have
systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid

Here "That" are harder is referring to only new ones or both old fees and new ones?
(My question is as per the rule the That refer to close noun)..Please help me..[/b]

IMHO, it refers to new ones only, which are described as "harder and harder to avoid".
IMHO, it refers only to the new fes
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Manager
Joined: 08 Sep 2010
Posts: 63
Re: Over the past few years, banks have systematically raised  [#permalink]

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10 May 2014, 23:46
Archit143 wrote:
Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid

(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.

(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid

(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers

(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.

OA will be updated soon....

Consider kudos if my post helps!!!

Archit

Explanation - If one understands the actual meaning it becomes easier to pick the correct answer.
The sentence says that banks raised their old fees and and invented new harder one that in turn harder for customers to avoid. Also since the bank is doing this over a past year we need a present perfect or continuous sentence structure.
Simply go by the intended meaning and you will be able to eliminate options B, C, D, E.
Option though uses the correct sentence structure but the meaning is wrong.
Option A remains. Hence correct.
Hope that helps.
VP
Joined: 09 Jun 2010
Posts: 1035
Re: Over the past few years, banks have systematically raised  [#permalink]

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10 Jan 2017, 05:00
[quote="Archit143"]Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid

(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.

(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid

(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers

(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.

this is beautiful question from official source.
simple tense is used to show an situation which exist indefinitely, a timeless fact or a condition or habit. . this tense is different from present perfect. for more on the difference, we have to review grammar books. the difference is not so hard that we can not learn.
in b, "over past few years" refer to "are raising" . this reference is not so as logic as the reference in A
in c, "over... years" refers to "make". this is not logic
in d, "over... years" refer to "becomes". this is not logic
in d, "Over ... years" refers to "is becomming". this is not logic.

another point is pronoun. "them" in c,d, and e, is considered ambiguous and even is considered refering to both old fee and new fees. in either case, "them " is incorrect.
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Re: Over the past few years, banks have systematically raised  [#permalink]

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05 Mar 2017, 06:46
1
To choose from A and B, I would prefer to choose A as the meaning of the sentence conveys that something is happening from the past and is still continuing. So, present perfect tense makes sense here."have" denotes action started in the past and is still continuing. Hence, A is the correct option as per meaning.
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Re: Over the past few years, banks have systematically raised  [#permalink]

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05 Mar 2017, 06:58
Option A.

Banks have raised their fees in the past - action completed.

and invented new ones -- "that" refers to the new ones (fees) which are hard to avoid.
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Re: Over the past few years, banks have systematically raised  [#permalink]

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12 Jul 2018, 20:34
Over the past few years, banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid.

(A) banks have systematically raised their old fees and invented new ones that are harder and harder for consumers to avoid

(B) banks are systematically raising their old fees and inventing new ones that become harder and harder for consumers to avoid.

(C) banks systematically raising and inventing new ones make them harder and harder for consumers to avoid

(D) as banks systematically raised their old fees and invented new ones, avoiding them becomes harder and harder for consumers

(E) as banks have systematically raised their old fees and invented new ones, it is becoming harder and harder for consumers to avoid them.

Because stimulus says "over the past few years", "present perfect" tense should come. Only option A and E have "present perfect".
A is better than E.
A clearly conveys meaning.
E says "it is becoming harder and harder for consumers to avoid them." What does "them" refer to..old fees or new fees.
Re: Over the past few years, banks have systematically raised &nbs [#permalink] 12 Jul 2018, 20:34
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# Over the past few years, banks have systematically raised

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