The phrase "What would you do if you suddenly gained a million dollars?" is neither a parallel structure nor an understatement.
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Parallel structure typically involves using the same pattern of words to show that two or more ideas have the same level of importance. For example, "I enjoy reading, writing, and hiking" demonstrates parallel structure.
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Understatement is a figure of speech in which a statement minimizes the significance or importance of something for effect. For example, saying "It’s just a scratch" when referring to a large dent on a car is an understatement.
In your sentence, it poses a hypothetical question without employing either of these rhetorical devices.
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