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# The bank holds \$3 billion in loans that are seriously

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Director
Joined: 30 Nov 2006
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The bank holds \$3 billion in loans that are seriously [#permalink]

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04 May 2007, 15:07
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Difficulty:

25% (medium)

Question Stats:

66% (00:54) correct 34% (00:58) wrong based on 2501 sessions

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The bank holds \$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when
(B) it does not expect payments when it is
(C) it does not expect payments to be made when they are
(D) payments are not to be expected to be paid when
(E) payments are not expected to be paid when they will be
[Reveal] Spoiler: OA

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Senior Manager
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04 May 2007, 21:31
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The bank holds \$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when
(B) it does not expect payments when it is
(C) it does not expect payments to be made when they are
(D) payments are not to be expected to be paid when
(E) payments are not expected to be paid when they will be

C for me too.

A - is wrong because of "they".
B - is wrong because of "payments when it"
D and E are wrong for using paid. payments are not paid, they are made.
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Manager
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04 May 2007, 15:36
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I think it is "C" but I'm not great with SC.

I say "C" because 'they' refers to bank, but bank is singular (and neuter) so
we need an 'it' so choice A is out. D and E just seem clumsy. B uses another 'it' to refer to payments - which is plural so you would need a 'they'

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Director
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05 May 2007, 00:34
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(C) for me for the personal reasons...

"It" correctly refers to the bank, "they" correctly refers to the loans.

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Intern
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19 May 2013, 10:43
1
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The bank holds \$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when --- they refers to bank which is incorrect as bank is singular and should use it
(B) it does not expect payments when it is -- ambiguous usage of second it . the second it should be replaced by "they" as it should refer to payments .
(C) it does not expect payments to be made when they are -- correct . it refers to bank and they refers to payments
(D) payments are not to be expected to be paid when -- payments and paid are redundant usages.
(E) payments are not expected to be paid when they will be -- payments and paid are redundant usages.

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Senior Manager
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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21 May 2013, 03:20
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WarriorGmat wrote:
I have a doubt regarding these question:
If we break down question into clauses then
clause 1 The bank holds \$3 billion in loans
clause 2: that are seriously delinquent or in such trouble <== In clause 2 'that' refers to loans hence followed by plural verb "are"
clause 3: that it does not expect payments to be made when they are due <== In clause 3 "that" refers to "trouble" so it should be provided by singular verb,but in option "C" we are introducing pronoun "It" after "that"
then the verb form "does not" will be for pronoun "It" rather than "trouble"

If my understanding for relative pronoun "that" is correct then option "C" would be wrong..

There are two "that"s in the sentence -- first "that" is a modifier and the second "that" is a subordinating conjunction (not a relative pronoun). Here, the second "that" is used to link the dependent clause with the main clause. Hence, use of the second "that" is correct.

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Intern
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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04 Sep 2013, 23:07
1
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A> using they (plural) for bank(singular)
B> what is due? payments(plural) , so use of it is wrong
C>
D,E> I read some where that payments are made not paid... important point should be remember

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Manager
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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07 Apr 2014, 06:57
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Its C.

The bank holds \$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when-- use of they for bank -- incorrect
(B) it does not expect payments when it is -it..it .. ambiguous -- incorrect
(C) it does not expect payments to be made when they are -- can't find any issues yet..hold it
(D) payments are not to be expected to be paid when -- payments to be paid -- redundancy .
(E) payments are not expected to be paid when they will be -- payments to be paid -- redundancy .
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Manager
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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25 Feb 2017, 13:59
1
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The bank holds \$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

Issue: Pronoun reference

Analysis:
1. We need singular pronoun "it" to refer to bank (since there is only single bank)
2. As the word "payment(s)" and it's pronoun is also underlined, we need to make sure that they agree in number as well

(A) they do not expect payments when
- "they" is incorrect pronoun

(B) it does not expect payments when it is
- "it is" is in the wrong form; it should be "they are"

(C) it does not expect payments to be made when they are

(D) payments are not to be expected to be paid when
- passive voice

(E) payments are not expected to be paid when they will be
- "payments" and "to be paid" is redundant
- "will" is the wrong form the verb here

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SVP
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31 Jul 2007, 04:40
Silly question here, but wouldnt the 'it' refer to the loans, instead of the bank itself ?

Or am I confusing that rule ? I thought that 'it' always refer to the subject immediately preceding it ...

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CEO
Joined: 21 Jan 2007
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31 Jul 2007, 04:54
pmenon wrote:
Silly question here, but wouldnt the 'it' refer to the loans, instead of the bank itself ?

Or am I confusing that rule ? I thought that 'it' always refer to the subject immediately preceding it ...

no. it is not a relative pronoun. google "relative pronoun"

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Director
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31 Jul 2007, 06:22
pmenon wrote:
Silly question here, but wouldnt the 'it' refer to the loans, instead of the bank itself ?

Or am I confusing that rule ? I thought that 'it' always refer to the subject immediately preceding it ...

'loans' is not singular. Actually problem in (A) is that 'they' is referring to 'loans' instead of 'bank'. Which, that, who, etc are the cases of pronoun who refer to subject immediately before them..

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SVP
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Location: New York
The bank holds \$3 billionin loans that are seiously [#permalink]

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26 May 2008, 21:56
The bank holds \$3 billionin loans that are seiously delinquent or in such trouble that they do not expect payments when due

a) that they do not expect payments when
b) it does not expect payments when it is
c) it does not expect payments to be made when they are
d) payments are not be expected to be paid
e) payments are not expected to be paid when they will be

will post OA later.
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Senior Manager
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Location: Hungary
Re: SC - Payments ( OGV-74) [#permalink]

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27 May 2008, 04:42
I do not like either of sentence, but out of them C seems to be the best.

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Senior Manager
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Re: SC - Payments ( OGV-74) [#permalink]

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27 May 2008, 05:24
my pick C as well

but just wondering if its actually an OG question

i dont think it is because of the wierd construction
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Re: SC - Payments ( OGV-74) [#permalink]

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27 May 2008, 08:09
vdhawan1 wrote:
my pick C as well

but just wondering if its actually an OG question

i dont think it is because of the wierd construction

OA is C.

vdhawan,

Yeap! this is from OG verbal review.
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Manager
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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21 May 2013, 03:02
I have a doubt regarding these question:
If we break down question into clauses then
clause 1 The bank holds \$3 billion in loans
clause 2: that are seriously delinquent or in such trouble <== In clause 2 'that' refers to loans hence followed by plural verb "are"
clause 3: that it does not expect payments to be made when they are due <== In clause 3 "that" refers to "trouble" so it should be provided by singular verb,but in option "C" we are introducing pronoun "It" after "that"
then the verb form "does not" will be for pronoun "It" rather than "trouble"

If my understanding for relative pronoun "that" is correct then option "C" would be wrong..

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Intern
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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05 Sep 2013, 03:43
The bank holds \$3 billion in loans that are seriously delinquent or in such trouble that they do not expect payments when due.

(A) they do not expect payments when -->'they' wrongly refers to singular noun- BANK
(B) it does not expect payments when it is ---> "it" wrongly refers to plural 'payments'
(C) it does not expect payments to be made when they are --> Correct pronoun reference to BANK and PAYMENTS
(D) payments are not to be expected to be paid when --> payments and paid are redundant useages
(E) payments are not expected to be paid when they will be --> payments and paid are redundant useages

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Intern
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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21 Sep 2013, 05:56
Hi,

regarding answer C could the pronoun THEY refer to payments but also to loans and therefore the antecedent wouldn't be clear? Or is it possible to exclude loans somehow?

Thanks

Levent

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Director
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Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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14 Jun 2014, 02:50
(A) they do not expect payments when
They should be IT.
Payments when due (too short)
(B) it does not expect payments when it is
IT IS should be THEY ARE
(C) it does not expect payments to be made when they are
(D) payments are not to be expected to be paid when
when due=too short
(E) payments are not expected to be paid when they will be
Not better than (C)
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Re: The bank holds \$3 billion in loans that are seriously   [#permalink] 14 Jun 2014, 02:50

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