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

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Director
Joined: 30 Nov 2006
Posts: 591
Location: Kuwait
The bank holds \$3 billion in loans that are seriously [#permalink]

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04 May 2007, 15:07
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66% (01:54) correct 34% (00:59) wrong based on 2054 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
Manager
Joined: 04 May 2007
Posts: 110

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04 May 2007, 15:36
1
KUDOS
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'
Senior Manager
Joined: 06 Jul 2004
Posts: 468
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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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Director
Joined: 19 Mar 2007
Posts: 522

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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.
SVP
Joined: 28 Dec 2005
Posts: 1559

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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 ...
CEO
Joined: 21 Jan 2007
Posts: 2739
Location: New York City

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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"
Director
Joined: 06 Sep 2006
Posts: 736

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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..
SVP
Joined: 07 Nov 2007
Posts: 1800
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
Joined: 14 Mar 2007
Posts: 297
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.
Senior Manager
Joined: 29 Aug 2005
Posts: 273
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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SVP
Joined: 07 Nov 2007
Posts: 1800
Location: New York
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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Intern
Joined: 30 Mar 2013
Posts: 30

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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.
Manager
Joined: 09 May 2013
Posts: 54
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..
Senior Manager
Joined: 16 Dec 2011
Posts: 430
Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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21 May 2013, 03:20
1
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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.
Intern
Joined: 04 Jul 2013
Posts: 11
GMAT Date: 10-08-2013
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
Intern
Joined: 23 Sep 2011
Posts: 4
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
Intern
Joined: 17 Dec 2012
Posts: 9
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

Posted from my mobile device
Manager
Joined: 22 Aug 2013
Posts: 110
Schools: ISB '15
Re: The bank holds \$3 billion in loans that are seriously [#permalink]

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07 Apr 2014, 06:57
1
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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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Joined: 03 Aug 2012
Posts: 893
Concentration: General Management, General Management
GMAT 1: 630 Q47 V29
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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]

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18 Jun 2014, 13:18
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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 - The bank - Singular
(B) it does not expect payments when it is -> it doesn't agree in number with payments
(C) it does not expect payments to be made when they are - Perfect
(D) payments are not to be expected to be paid when -> payments are not expected to be paid when -> correct
(E) payments are not expected to be paid when they will be -> "when" refers to be the time instance -> the time instance "when" loans are due.
Also who is not expecting? Bank or who else. The original sentence was quite clear on that. Bank doesn't expect that.

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Re: The bank holds \$3 billion in loans that are seriously   [#permalink] 18 Jun 2014, 13:18

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