sleepynut wrote:
Hi all,
I think (D) can be eliminated since the comma before the second "and" is not required.
We only have two items in the second list : providing and staying.
X, and Y will work if X and Y are two independent clause. But "By providing such services as mortgages, home improvement loans, automobile loans, financial advice" I think is not an independent clause. This may be the reason that D is wrong and not because BY is missing here. Because BY can be common to both PROVIDING
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