问题: d 15
1 Primarily, the banker-customer relationship is that of debtor and creditor--who is which DEPENDING on whether the customer's account is in credit or is overdrawn.
这里的DEPENDING是不是涉及到了独立主格？
2 there is a very firm rule that the bank has no right or authority to pay out a customer's money on a cheque ON WHICH its customer's signature has been forged.
这里的ON WHICH 可以改成WHERR，也可以不改，我以前分析这个问题不确切，并且被别人采纳了，在此表示歉意。
我不知道我的以上分析是否正确，欢迎大家指点，讨论！
解答:
2是对的，只是1好像是非谓语，而非独立主格。
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