GMAT Club Forumhttps://gmatclub.com:443/forum/ In these difficult economic times, those who have public pensions – vehttps://gmatclub.com/forum/in-these-difficult-economic-times-those-who-have-public-pensions-ve-156601-20.html Page 2 of 2

 Author: sayantanc2k [ 13 Apr 2016, 09:49 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve tarunktuteja wrote:Question 1> Is the second one correct since there is no comma before the word " but" ?No for the same reason you mentioned.Question 2> let's it is having comma before but ( and let's forget the meaning of the sentence ),Then option 1 would be suitable. Am I right?No if you consider the meaning. Companies are pursured and not the pensioners.Question 3> let's it is having comma before but and let's concentrate on the meaning of the sentence ,Then option 1 would be wrong. Since "those who have public pensions" can not draw scrutiny from several other government organizations. Am I right?YesI don't think OA is B. I think A is better.Can you please post the OEPosted from my mobile device A comma before "but" requires another independent clause after the conjunction "but"I smoke but swim... correctI smoke, but I swim... correctI smoke, but swim.... wrongNow the subject sentence intends to convey the following meaning:Pension advance companies operate without much oversight from banking regulators but are now drawing scrutiny.The actions "operate" and "are drawing" both are performed by "Pension advance companies" [ replaced by relative pronoun "which"]. Therefore we do not require a comma before "but". If we introduce a comma before "but", we would require another subject [ as in option A: ", but they are..." - which is also grammatically correct; nonetheless option A is wrong for pronoun ambiguity]Why option A is wrong? Since "they" is the subject of a clause, it refers to the subject of another clause in the sentence, i.e. "those who have public pensions" (by virtue of parallelism - such usage is acceptable in GMAT) . However the intended meaning is " banking regulators", not "those who have public pensions" are drawing scrutiny. Option A is wrong because of this pronoun ambiguity.

 Author: ynk [ 08 May 2016, 00:09 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve Can anyone please explain why E is wrong?

 Author: sayantanc2k [ 08 May 2016, 13:10 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve ynk wrote:Can anyone please explain why E is wrong?2 reasons:1. The relative pronouns "who" and "whom" must modify people - "companies" cannot be the antecedent of "who".2. The pronoun "they" is ambiguous.

 Author: sudhirgupta93 [ 23 Aug 2016, 03:28 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve sayantanc2k wrote:ynk wrote:Can anyone please explain why E is wrong?2 reasons:1. The relative pronouns "who" and "whom" must modify people - "companies" cannot be the antecedent of "who".2. The pronoun "they" is ambiguous.Hi Sayantanc2k!What about 'being pursued' vs 'are pursued'? Is 'are pursued' correct in option E? If it didn't have pronoun error would option E be correct?

 Author: sayantanc2k [ 23 Aug 2016, 10:39 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve sudhirgupta93 wrote:sayantanc2k wrote:ynk wrote:Can anyone please explain why E is wrong?2 reasons:1. The relative pronouns "who" and "whom" must modify people - "companies" cannot be the antecedent of "who".2. The pronoun "they" is ambiguous.Hi Sayantanc2k!What about 'being pursued' vs 'are pursued'? Is 'are pursued' correct in option E? If it didn't have pronoun error would option E be correct?"Are being pursued" is the passive voice form of present continuous and "are pursued " is the passive voice form of simple present. Both tenses are OK here. Consider the active voice form of both cases:In these difficult economic times, companies are pursuing those....In these difficult economic times, companies pursue those....I do not see any problem with either.

 Author: goforgmat [ 01 Nov 2016, 06:46 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve mikemcgarry wrote:Thoughtosphere wrote:Thanks a lot Mike. I marked D, but now I understand where I faltered. I didn't see any discussion happening over the usage of which and that. I eliminated B because it used "which". Shouldn't that be used instead of which here ?Dear Thoughtosphere,I'm happy to respond. The word "which" is 100% correct in (B). 1) It clearly refers to the noun that it "touches" ---- "pension advance companies"2) It is correctly separated with a comma3) It serves at the subject of the clause that it introduces. The word "which" is correct if all three of these criteria are true, and they are. See: https://magoosh.com/gmat/2012/that-vs-which-on-the-gmat/You may also find this helpful: https://magoosh.com/gmat/2012/gmat-gramm ... modifiers/Does all this make sense?Mike Hi Mike,Isn't a comma required after the which clause above?

 Author: mikemcgarry [ 01 Nov 2016, 11:09 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve goforgmat wrote:Hi Mike,Isn't a comma required after the which clause above?Dear goforgmat,I'm happy to respond. My friend, there is no after! In choice (B) of this question, the OA, the final "which" clause continues from the word "which" until the end of the sentence. The "which" clause ends with the period at the end of the sentence. You see, the relative pronoun "which" is the subject of the relative clause, and this single subject is followed by two verbs in parallel: "which operate ... but now are drawing . . " Both verbs and their predicates are part of this large "which" clause, the relative clause. Here's (B), with the relative clause in green: ... are being pursued strongly by pension advance companies, which operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations.Does this make sense?Mike

 Author: bitanrc [ 02 Dec 2016, 08:20 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve vibhav wrote:In these difficult economic times, those who have public pensions – veterans, mail workers, firemen, and others – are being pursued strongly by pension advance companies that operate without much oversight from banking regulators, but they are now drawing scrutiny from several other government organizations. a. are being pursued strongly by pension advance companies that operate without much oversight from banking regulators, but they are now drawing scrutiny from several other government organizations.b.are being pursued strongly by pension advance companies, which operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations.c.are pursued strongly by pension advance companies and operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations.d.are pursued strongly by pension advance companies, operating without much oversight from banking regulators but now drawing scrutiny from several other government organizations.e. are pursued strongly by pension advance companies who operate without much oversight from banking regulators; however, they are now drawing scrutiny from several other government organizations.Was confused between B & D.E-gmat could this example be a good choice to understand the verb-ing modifier concept?I was stuck between A and B. "being pursued" is required since the sentence starts with "In these ..times.."I eliminated B because it changed the essential modifier "that" to "which". Isn't "that" required to specify "pension advance companies" THAT operate without much oversight?

 Author: abhimahna [ 10 Mar 2017, 04:02 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve bitanrc wrote:I was stuck between A and B. "being pursued" is required since the sentence starts with "In these ..times.."I eliminated B because it changed the essential modifier "that" to "which". Isn't "that" required to specify "pension advance companies" THAT operate without much oversight?Notice that you must understand whether we need an essential modifier here. the clause after pension advance companies is simply describing those companies and not specifying anything. Hence, B should not be eliminated on that basis. A will be incorrect because we have a 'They' pronoun and it is not clear what it is referring too. Hence, B is the only correct option here.

 Author: BillyZ [ 01 Apr 2017, 19:04 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve vibhav wrote:In these difficult economic times, those who have public pensions – veterans, mail workers, firemen, and others – are being pursued strongly by pension advance companies that operate without much oversight from banking regulators, but they are now drawing scrutiny from several other government organizations. A. are being pursued strongly by pension advance companies that operate without much oversight from banking regulators, but they are now drawing scrutiny from several other government organizations.B. are being pursued strongly by pension advance companies, which operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations.C. are pursued strongly by pension advance companies and operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations.D. are pursued strongly by pension advance companies, operating without much oversight from banking regulators but now drawing scrutiny from several other government organizations.E. are pursued strongly by pension advance companies who operate without much oversight from banking regulators; however, they are now drawing scrutiny from several other government organizations.@E-GMAT could this example be a good choice to understand the VERB-ing modifier concept?OFFICIAL EXPLANATIONSolution: BExplanation: This sentence correction problem is mostly concerned with errors of sentence construction. The most obvious decision point – the choice between “are being pursued” and “are pursued” is not important as both could be used to describe the current situation. In (A) the use of “they” in the last portion of the sentence is incorrect as it represents a reference error (the “they” seems to be referencing the people with pensions not the companies). (B) is correct as the “which” clause makes it clear that the companies “operate without oversight….but are now drawing….”. In (C) it is not the people with pensions that “operate without much oversight…”. For (D), the use of the participle “operating” perpetuates the problem in (C) – it still modifies the subject (those with pensions) so is nonsensical as people would not operate without oversight. In (E), the use of “they” in the second portion after the semicolon contains the same reference error as in (A). Answer is (B).

 Author: Madhavi1990 [ 24 Aug 2017, 05:52 ] Post subject: Re: In these difficult economic times, those who have public pensions – ve My reasoning:In these difficult economic times, those who have public pensions – veterans, mail workers, firemen, and others – are being pursued strongly by pension advance companies that operate without much oversight from banking regulators, but they are now drawing scrutiny from several other government organizations.A> are being pursued strongly by pension advance companies that operate without much oversight from banking regulators, but they are now drawing scrutiny from several other government organizations --> the sentence is not clear in meaning - I mean if veterans are being pursued, then why the scrutiny for regulators (misplaced pronoun 'they..now')B> are being pursued strongly by pension advance companies, which operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations. --> this is right: "those who have public pensions – veterans, mail workers, firemen, and others – [u]are being pursued strongly by ...companies that operate without much oversight from banking regulators but are now.." --> hence it clearly says that veterans etc are being hotly pursued by companies (modifier) but are now..rest of the sentenceC> are pursued strongly by pension advance companies and operate without much oversight from banking regulators but are now drawing scrutiny from several other government organizations. --> changes the meaning --> veterans are CURRENTLY being pursued --> not general statement 'pursued' . The verb 'being' is needed hereD>are pursued strongly by pension advance companies, operating without much oversight from banking regulators but now drawing scrutiny from several other government organizations. --> changes focus to regulators and not veteransE> are pursued strongly by pension advance companies who operate without much oversight from banking regulators; however, they are now drawing scrutiny from several other government organizations. --> same issue as D