• NEW! FREE Beat The GMAT Quizzes
    NEW! FREE Beat The GMAT Quizzes
    NEW! FREE Beat The GMAT Quizzes
    Hundreds of Questions Highly Detailed Reporting Expert Explanations TAKE A FREE GMAT QUIZ
  • 7 CATs FREE!
    If you earn 100 Forum Points

    Engage in the Beat The GMAT forums to earn
    100 points for $49 worth of Veritas practice GMATs FREE

    Veritas Prep
    VERITAS PRACTICE GMAT EXAMS
    Earn 10 Points Per Post
    Earn 10 Points Per Thanks
    Earn 10 Points Per Upvote
    REDEEM NOW

OG Before 1988, insurance companies in California

This topic has 1 expert reply and 1 member reply

OG Before 1988, insurance companies in California

Post

Timer

00:00

Your Answer

A

B

C

D

E

Global Stats

Difficult



Before 1988, insurance companies in California were free to charge whatever rates the market would bear, needing no approval from regulators before raising rates.

(A) needing no approval from regulators before raising
(B) and it needed no approval by regulators before raising
(C) and needing no approval from regulators before they raised
(D) with approval not needed by regulators before they raised
(E) with no approval needed from regulators before the raising of

A

  • +1 Upvote Post
  • Quote
  • Flag

GMAT/MBA Expert

Top Reply
Post
Generally, COMMA + VERBing serves to modify the nearest preceding action and the agent of this action.

Given this rule, I received a PM requesting that I justify the usage of COMMA + needing in the OA:
Insurance companies in California were free to charge whatever rates the market would bear, needing no approval from regulators.

Here, the two colored portions serve not as an agent but as an OBJECT for the verb charge.
Question: WHAT do insurance companies charge?
Answer: They charge WHATEVER RATES THE MARKET WOULD BEAR.
Because the two colored portions do not serve as an agent -- the red portion is simply an adjective describing the blue portion -- it is clear that COMMA + needing refers not to the two colored portions but to INSURANCE COMPANIES (the agent of charge).

_________________
Mitch Hunt
Private Tutor for the GMAT and GRE
GMATGuruNY@gmail.com

If you find one of my posts helpful, please take a moment to click on the "UPVOTE" icon.

Available for tutoring in NYC and long-distance.
For more information, please email me at GMATGuruNY@gmail.com.
Student Review #1
Student Review #2
Student Review #3

  • +1 Upvote Post
  • Quote
  • Flag
Free GMAT Practice Test How can you improve your test score if you don't know your baseline score? Take a free online practice exam. Get started on achieving your dream score today! Sign up now.
Newbie | Next Rank: 10 Posts Default Avatar
Joined
01 Mar 2019
Posted:
1 messages
Post
Thanks a lot for the great explanation!

  • +1 Upvote Post
  • Quote
  • Flag
  • PrepScholar GMAT
    5 Day FREE Trial
    Study Smarter, Not Harder

    Available with Beat the GMAT members only code

    MORE DETAILS
    PrepScholar GMAT
  • Target Test Prep
    5-Day Free Trial
    5-day free, full-access trial TTP Quant

    Available with Beat the GMAT members only code

    MORE DETAILS
    Target Test Prep
  • EMPOWERgmat Slider
    1 Hour Free
    BEAT THE GMAT EXCLUSIVE

    Available with Beat the GMAT members only code

    MORE DETAILS
    EMPOWERgmat Slider
  • Varsity Tutors
    Award-winning private GMAT tutoring
    Register now and save up to $200

    Available with Beat the GMAT members only code

    MORE DETAILS
    Varsity Tutors
  • Kaplan Test Prep
    Free Practice Test & Review
    How would you score if you took the GMAT

    Available with Beat the GMAT members only code

    MORE DETAILS
    Kaplan Test Prep
  • Economist Test Prep
    Free Trial & Practice Exam
    BEAT THE GMAT EXCLUSIVE

    Available with Beat the GMAT members only code

    MORE DETAILS
    Economist Test Prep
  • Magoosh
    Magoosh
    Study with Magoosh GMAT prep

    Available with Beat the GMAT members only code

    MORE DETAILS
    Magoosh
  • The Princeton Review
    FREE GMAT Exam
    Know how you'd score today for $0

    Available with Beat the GMAT members only code

    MORE DETAILS
    The Princeton Review
  • Veritas Prep
    Free Veritas GMAT Class
    Experience Lesson 1 Live Free

    Available with Beat the GMAT members only code

    MORE DETAILS
    Veritas Prep
  • e-gmat Exclusive Offer
    Get 300+ Practice Questions
    25 Video lessons and 6 Webinars for FREE

    Available with Beat the GMAT members only code

    MORE DETAILS
    e-gmat Exclusive Offer

Top First Responders*

1 Ian Stewart 57 first replies
2 Brent@GMATPrepNow 31 first replies
3 Jay@ManhattanReview 29 first replies
4 GMATGuruNY 20 first replies
5 ceilidh.erickson 15 first replies
* Only counts replies to topics started in last 30 days
See More Top Beat The GMAT Members

Most Active Experts

1 image description Scott@TargetTestPrep

Target Test Prep

211 posts
2 image description Max@Math Revolution

Math Revolution

88 posts
3 image description Brent@GMATPrepNow

GMAT Prep Now Teacher

70 posts
4 image description Ian Stewart

GMATiX Teacher

65 posts
5 image description GMATGuruNY

The Princeton Review Teacher

39 posts
See More Top Beat The GMAT Experts