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The bank holds $3 billion in loans that are seriously delinquent or in

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

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New post 06 Aug 2014, 00:24
In the option C, I think that they is ambiguous as it refers to either 'Payments' or 'Loans'. Please suggest.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 06 Aug 2014, 01:24
Please use pronoun ambiguity (such as in this case where they can refer to either 'Payments' or 'Loans') as a last resort to dis-regard a choice.

One should learn to distinguish between pronoun ambiguity (as is the case here, where a pronoun has multiple antecedents) and orphan pronoun (where pronoun has no antecedent).

Pronoun ambiguity is acceptable on GMAT; orphan pronoun is always incorrect.

p.s. Our book SC Nirvana discusses pronouns, their application and examples in significant detail. If you can PM you email, I can send you the corresponding section.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 20 Nov 2014, 04:41
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 must be It as Ban is singular
(B) it does not expect payments when it is - second it refers to payments hence it must be plural

(C) it does not expect payments to be made when they are - Correct.
(D) payments are not to be expected to be paid when - Passive and wordy
(E) payments are not expected to be paid when they will be - passive and wordy

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

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New post 02 Aug 2015, 09:30
In, the option is talking about future expectation. So, shouldn't it be in future tense? That is 'it does not expect payments to be made when they will be'
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 06 Sep 2016, 09:19
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).

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

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New post 08 Nov 2016, 16:19
Split1) SVA. "the bank holds…that it does not expect" the pronoun "it" is better in this sentence to refer back to bank. A,D and E are out.

Split2) B uses a second "it" which creates confusion. Is the second it referring back to payments? If so, this is wrong because payments is plural.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 08 Nov 2016, 16:20
Split1) SVA. "the bank holds…that it does not expect" the pronoun "it" is better in this sentence to refer back to bank. A,D and E are out.
Split2) B uses a second "it" which creates confusion. Is the second it referring back to payments? If so, this is wrong because payments is plural.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 29 Nov 2016, 02:51
Hi, what is wrong with option E. Is there any issue with payments PAID ?
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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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

Answer: (C)
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 26 Feb 2017, 04:41
anox wrote:
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

Answer: (C)




Hi ,

Thx for explaining

Why is use of WILL wrong in E ?

Sent from my iPhone using GMAT Club Forum mobile app
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 13 Mar 2017, 09:52
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

Bank-singular,
Payment-singular
idiom:Payments are made ,not paid

Option C is correct.

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

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New post 17 Mar 2017, 13:09
A they - is ambigious
B 1st it is ok, 2nd it is ambigious
C it is logical, payments and they are used correctly. when they are -correctly used tense
D too much passive, make payment
E when they will will is not used after when. payments are paid is strange
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 05 May 2017, 18:56
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
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 26 Jun 2017, 23:54
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

Yes, I know this question has been discussed before. But a specific thing I wanted to discuss is why "will be" (in option E) is incorrect verb form- as mentioned by OG

[Reveal] Spoiler:
Yes, I know this question has been discussed before. But a specific thing I wanted to discuss is why "will be" (in option E) is incorrect verb form- as mentioned by OG

Last edited by rsgooga on 27 Jun 2017, 19:36, edited 1 time in total.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 27 Jun 2017, 08:29
C..it refers to 'bank' and clearly conveys the meaning.

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

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New post 27 Jun 2017, 10:25
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
SV agreement Mistake. Banks/they
(B) it does not expect payments when it is
SV agreement Mistake. Payments/it
(C) it does not expect payments to be made when they are
(Correct)
(D) payments are not to be expected to be paid when
(E) payments are not expected to be paid when they will be
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 28 Jun 2017, 06:57
stoor0777 wrote:
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
SV agreement Mistake. Banks/they
(B) it does not expect payments when it is
SV agreement Mistake. Payments/it
(C) it does not expect payments to be made when they are
(Correct)
(D) payments are not to be expected to be paid when
(E) payments are not expected to be paid when they will be


Do you have any idea why "will be" is incorrect verb form in E.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 28 Jun 2017, 10:32
rsgooga wrote:

Do you have any idea why "will be" is incorrect verb form in E.


Hi rsgooga ,

E has multiple problems.

1) Usage of Passive voice when we already have a correct answer used in Active voice.
2) As per the meaning, we are talking about the present. So, using 'will be' will change the original meaning of the sentence.

I hope that makes sense. :)
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 12 Aug 2017, 08:16
Mishari wrote:
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


A. "They" incorrectly refers to "loans," not the "bank."
B. "It is paid" incorrectly refers to "bank," not loans.
C. Correct.
D. Passive and wordy construction.
E. "Will be" is incorrect because the payments are not expected to be made when they are due.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in [#permalink]

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New post 17 Aug 2017, 02:42
C is the correct choice - Pronouns and their referents agree, as do subjects and their verbs.
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Re: The bank holds $3 billion in loans that are seriously delinquent or in   [#permalink] 17 Aug 2017, 02:42

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