20. 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.
Key: E. the collateral against which farmers borrow to get through the harvest season, are
看了其他帖子里的解释,基本明白这道题的意思了,只是还有一个小小的问题求教。。
which 做非限制性定语从句前头不是要加逗号的么,为什么这道题不需要类?