Multiple choice

Falling prices of property and land, the collateral against which builders borrow to get through the construction period, is going to force many banks to tighten or deny credit this season.

  1. the collateral against which builders borrow to get through the construction period, is

  2. which builders use as collateral to borrow against to get through the construction period, is

  3. the collateral which is borrowed against by builders to get through the construction period, is

  4. which builders use as collateral to borrow against to get through the construction period, are

  5. the collateral against which builders borrow to get through the construction period, are
Reveal answer Fill a bubble to check yourself
E Correct answer
Explanation

The subject of the sentence is 'Falling prices' - plural, so all options with singular verb 'is' are wrong. Option (4) has a contrived sentence structure. Hence (5).

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