Error identification<br/><br/><font color="#006400">(A)<u> Area banks</u> have (B) <u>arranged to</u> offer (C) <u>advice</u> on financial planning to (D) <u>who</u> requires it.</font><br/><br/>D is wrong according to the answer key. So, I guess the right answer is whom. However, can both who and whom be the same?<br/><br/>Please advise.<br/><br/>LCChang