Test 2 · ★ · Debt, loans, credit cards and interest

An advert flashes, "Buy now, pay later! No stress!" What would happen if you missed two of the monthly payments?

Mova's choice: option 1 · The right answer: option 1 · right ✓ · Who acts: advert, you · What happens: flash, buy, pay, happen, miss · To what, where: two

This is test 2 · ★ of lesson 24 «Debt, loans, credit cards and interest» of the money course of Mova's primary school. The page gives the question's syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause, then the 4 options as the student saw them, each with its tree and pragmatics. Every text is parsed by Mova itself. How the student answered it, with the score of every option and why: the test at school.

The question

Sentence 1: An advert flashes, "Buy now, pay later!

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	An	a	DET	Definite=Ind PronType=Art	2 advert	det
2	advert	advert	NOUN	Number=Sing	3 flashes	nsubj
3	flashes	flash	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
4	,	,	PUNCT	_	6 Buy	punct
5	"	"	PUNCT	_	6 Buy	punct
6	Buy	buy	VERB	VerbForm=Inf	3 flashes	xcomp
7	now	now	ADV	PronType=Dem	6 Buy	advmod
8	,	,	PUNCT	_	9 pay	punct
9	pay	pay	VERB	VerbForm=Inf	6 Buy	conj
10	later	late	ADV	Degree=Cmp	9 pay	advmod
11	!	!	PUNCT	_	3 flashes	punct

#	verb	tense, mood	who	when	other	roles by
1	flash	present	a advert			tree rules
2	buy in a quote	infinitive	a advert not said here	now		vn accept-77.1 «NP V how S»: agent=Agent
3	pay in a quote	infinitive	a advert not said here		late property	vn pay-68-1 «NP V NP»: agent=Agent

One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

Sentence 2: No stress!"

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	No	no	DET	PronType=Neg	2 stress	det
2	stress	stress	NOUN	Number=Sing	root	root
3	!	!	PUNCT	_	2 stress	punct
4	"	"	PUNCT	_	2 stress	punct

The frames reader finds no event or fact in this sentence.

Sentence 3: What would happen if you missed two of the monthly payments?

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	What	what	PRON	PronType=Int	3 happen	nsubj
2	would	would	AUX	VerbForm=Fin	3 happen	aux
3	happen	happen	VERB	VerbForm=Inf	root	root
4	if	if	SCONJ	_	6 missed	mark
5	you	you	PRON	Case=Nom Person=2 PronType=Prs	6 missed	nsubj
6	missed	miss	VERB	Mood=Ind Number=Sing Person=2 Tense=Past VerbForm=Fin	3 happen	advcl
7	two	two	NUM	NumForm=Word NumType=Card	6 missed	obj
8	of	of	ADP	_	11 payments	case
9	the	the	DET	Definite=Def PronType=Art	11 payments	det
10	monthly	monthly	ADJ	Degree=Pos	11 payments	amod
11	payments	payment	NOUN	Number=Plur	7 two	nmod
12	?	?	PUNCT	_	3 happen	punct

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	happen	would							vn occur-48.3-1 «NP V»: agent=Theme
2	miss a condition, not said to happen	past	you	two of the monthly payments					vn admire-31.2 «NP V NP»: agent=Experiencer two=Stimulus

The options

Option 1 · ← Mova's choice · ✓ the right answer

You'd still owe the money and might pay fees on top

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	You	you	PRON	Case=Nom Person=2 PronType=Prs	4 owe	nsubj
2	'd	would	AUX	VerbForm=Fin	4 owe	aux
3	still	still	ADV	_	4 owe	advmod
4	owe	owe	VERB	VerbForm=Inf	root	root
5	the	the	DET	Definite=Def PronType=Art	6 money	det
6	money	money	NOUN	Number=Sing	4 owe	obj
7	and	and	CCONJ	_	9 pay	cc
8	might	might	AUX	VerbForm=Fin	9 pay	aux
9	pay	pay	VERB	VerbForm=Inf	4 owe	conj
10	fees	fee	NOUN	Number=Plur	9 pay	obj
11	on	on	ADP	_	12 top	case
12	top	top	NOUN	Number=Sing	9 pay	obl

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	owe	would	You	the money			still		vn future_having-13.3 «NP V NP.theme (PP)»: agent=Agent money=Theme
2	pay	might	You not said here	fees		top			vn pay-68-1 «NP V NP»: agent=Agent fee=Asset

Option 2

Nothing, missed payments are always forgiven

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Nothing	nothing	PRON	Number=Sing PronType=Neg	3 missed	compound
2	,	,	PUNCT	_	1 Nothing	punct
3	missed	miss	VERB	Tense=Past VerbForm=Part Voice=Pass	4 payments	amod
4	payments	payment	NOUN	Number=Plur	7 forgiven	nsubj:pass
5	are	be	AUX	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	7 forgiven	aux:pass
6	always	always	ADV	PronType=Tot	7 forgiven	advmod
7	forgiven	forgive	VERB	Tense=Past VerbForm=Part Voice=Pass	root	root

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	miss	participle							vn admire-31.2 «NP V that S»: agent=Experiencer
2	forgive	present · passive		missed payments				always property	vn judgment-33.1-1 «NP V NP»: subject=Theme

Option 3

The shop would cancel the debt and simply forget all about it

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 shop	det
2	shop	shop	NOUN	Number=Sing	4 cancel	nsubj
3	would	would	AUX	VerbForm=Fin	4 cancel	aux
4	cancel	cancel	VERB	VerbForm=Inf	root	root
5	the	the	DET	Definite=Def PronType=Art	6 debt	det
6	debt	debt	NOUN	Number=Sing	4 cancel	obj
7	and	and	CCONJ	_	9 forget	cc
8	simply	simply	ADV	_	9 forget	advmod
9	forget	forget	VERB	Mood=Ind Tense=Pres VerbForm=Fin	4 cancel	conj
10	all	all	ADV	_	9 forget	advmod
11	about	about	ADP	_	12 it	case
12	it	it	PRON	Case=Acc Gender=Neut Number=Sing Person=3 PronType=Prs	9 forget	obl

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	cancel	would	the shop	the debt					tree rules
2	forget	present	the shop not said here					about shop; all, simply property	tree rules

Option 4

The telly would become free after two months

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 telly	det
2	telly	telly	NOUN	Number=Sing	4 become	nsubj
3	would	would	AUX	VerbForm=Fin	4 become	aux
4	become	become	VERB	VerbForm=Inf	root	root
5	free	free	ADJ	Degree=Pos	4 become	xcomp
6	after	after	ADP	_	8 months	case
7	two	two	NUM	NumForm=Word NumType=Card	8 months	nummod
8	months	month	NOUN	Number=Plur	5 free	obl

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	become	would	the telly					free property	vn become-109.1-1-1 «NP V PP.attribute»: agent=Patient

Text: the tests of Mova's primary school, written for Mova (world/data/school/), as the course runner gave them to the student. Trees: Mova's own parse — the en model on the CPU, when the site is built — not checked by a teacher; they may be wrong. Frames: Mova's frames reader (prag), each text read on its own. Elamur Cosmic License.

This page in Markdown → https://md.mova.elamur.ai/free/en/corpora/questions/money/24-debt-loans-credit-cards-and-interest/t2/