The loan company announced it would soon lend money to borrowers with proven records of their not paying back their loans on time, collectively known as the subprime lending market.
A.of their not paying back their loans on time,
B.of not paying back their loans on time, a group
C.of not paying back their loans on time, with such a group
D.that they do not pay back their loans on time,
E.that they do not pay back their loans on time, such a group
In D and E,
record that is not idiomatic. The correct idiom is
record of. Eliminate D and E.
In A, it is unclear what is being modified by
collectively known. Eliminate A.
In C, it is unclear what is being modified by
with such a group. Eliminate C.
The correct answer is
B.
In B,
a group collectively known is in apposition to the
the borrowers.
Apposition is a structure in which two nouns are placed side by side; the purpose of the second noun is to define or modify the first. In the SC above,
a group tells us more about
the borrowers.
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