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codesnooker
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In the following question, why the answer is (E) not (A). I think I am not able to identify the correct subject. What is the correct subject in the question?
16．Declining values for farm equipment and land，the collateral against which farmers borrow to get through the harvest season, is going to force many lenders to tighten or deny credit this spring．
(A) the collateral against which farmers borrow to get through the harvest season，is
(B) which farmers use as collateral to borrow against to get through the harvest season，is
(C) the collateral which is borrowed against by farmers to get through the harvest season，is
(D) Which farmers use as collateral to borrow against to get through the harvest season，are
(E) the collateral against which farmers borrow to get through the harvest season，are
16．Declining values for farm equipment and land，the collateral against which farmers borrow to get through the harvest season, is going to force many lenders to tighten or deny credit this spring．
(A) the collateral against which farmers borrow to get through the harvest season，is
(B) which farmers use as collateral to borrow against to get through the harvest season，is
(C) the collateral which is borrowed against by farmers to get through the harvest season，is
(D) Which farmers use as collateral to borrow against to get through the harvest season，are
(E) the collateral against which farmers borrow to get through the harvest season，are
