Test 6 · ★ · Debt, loans, credit cards and interest

Maya's friend says, "My parents have a mortgage, so they're in debt, so they're bad with money." What's true?

Mova's choice: option 1 · The right answer: option 1 · right ✓ · Who acts: friend, parents · What happens: say, have, be · To what, where: mortgage, debt · Speech: someone speaks here

This is test 6 · ★ 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: Maya's friend says, "My parents have a mortgage, so they're in debt, so they're bad with money."

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Maya	Maya	PROPN	Number=Sing	3 friend	nmod:poss
2	's	's	PART	_	1 Maya	case
3	friend	friend	NOUN	Number=Sing	4 says	nsubj
4	says	say	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
5	,	,	PUNCT	_	9 have	punct
6	"	"	PUNCT	_	9 have	punct
7	My	my	PRON	Case=Gen Number=Sing Person=1 Poss=Yes PronType=Prs	8 parents	nmod:poss
8	parents	parent	NOUN	Number=Plur	9 have	nsubj
9	have	have	VERB	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	4 says	ccomp
10	a	a	DET	Definite=Ind PronType=Art	11 mortgage	det
11	mortgage	mortgage	NOUN	Number=Sing	9 have	obj
12	,	,	PUNCT	_	17 debt	punct
13	so	so	ADV	_	17 debt	advmod
14	they	they	PRON	Case=Nom Number=Plur Person=3 PronType=Prs	17 debt	nsubj
15	're	be	AUX	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	17 debt	cop
16	in	in	ADP	_	17 debt	case
17	debt	debt	NOUN	Number=Sing	9 have	obl
18	,	,	PUNCT	_	22 bad	punct
19	so	so	ADV	_	22 bad	advmod
20	they	they	PRON	Case=Nom Number=Plur Person=3 PronType=Prs	22 bad	nsubj
21	're	be	AUX	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	22 bad	cop
22	bad	bad	ADJ	Degree=Pos	4 says	ccomp
23	with	with	ADP	_	24 money	case
24	money	money	NOUN	Number=Sing	22 bad	obl
25	.	.	PUNCT	_	22 bad	punct
26	"	"	PUNCT	_	22 bad	punct

#	verb	tense, mood	who	what, whom	where	other	roles by
1	say speech: assert	present	Maya's friend				vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic
2	have in a quote	present	My parents	a mortgage			vn birth-28.2-1 «NP V NP»: agent=Agent mortgage=Patient
3	is in a quote	present	parents = parent		debt		tree rules
4	is in a quote	present	parents = parent			with money; bad property	tree rules

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: What's true?

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	What	what	PRON	PronType=Int	3 true	nsubj
2	's	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	3 true	cop
3	true	true	ADJ	Degree=Pos	root	root
4	?	?	PUNCT	_	3 true	punct

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	is	present						true property	tree rules

The options

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

A mortgage is a normal debt that helps families buy a home

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	A	a	DET	Definite=Ind PronType=Art	2 mortgage	det
2	mortgage	mortgage	NOUN	Number=Sing	6 debt	nsubj
3	is	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	6 debt	cop
4	a	a	DET	Definite=Ind PronType=Art	6 debt	det
5	normal	normal	ADJ	Degree=Pos	6 debt	amod
6	debt	debt	NOUN	Number=Sing	root	root
7	that	that	PRON	PronType=Rel	8 helps	nsubj
8	helps	help	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	6 debt	acl:relcl
9	families	family	NOUN	Number=Plur	8 helps	obj
10	buy	buy	VERB	VerbForm=Inf	8 helps	xcomp
11	a	a	DET	Definite=Ind PronType=Art	12 home	det
12	home	home	NOUN	Number=Sing	10 buy	obj

#	verb	tense, mood	who	what, whom	roles by
1	is a	present	a mortgage	a normal debt	tree rules
2	help	present	a normal debt	families	vn help-72.1-1-1 «NP V NP S_INF»: agent=Agent family=Beneficiary clause=Theme
3	buy	infinitive	families not said here	a home	vn accept-77.1 «NP V NP»: agent=Agent home=Theme

Option 2

A mortgage is a gift, so it isn't really debt

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	A	a	DET	Definite=Ind PronType=Art	2 mortgage	det
2	mortgage	mortgage	NOUN	Number=Sing	5 gift	nsubj
3	is	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	5 gift	cop
4	a	a	DET	Definite=Ind PronType=Art	5 gift	det
5	gift	gift	NOUN	Number=Sing	root	root
6	,	,	PUNCT	_	12 debt	punct
7	so	so	ADV	_	12 debt	advmod
8	it	it	PRON	Case=Nom Gender=Neut Number=Sing Person=3 PronType=Prs	12 debt	nsubj
9	is	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	12 debt	cop
10	n't	not	PART	Polarity=Neg	12 debt	advmod
11	really	really	ADV	_	12 debt	advmod
12	debt	debt	NOUN	Number=Sing	5 gift	conj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	is a	present	a mortgage	a gift and debt					tree rules
2	not is a	present	mortgage	debt					tree rules

Option 3

She's right, all debt means bad money skills

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	She	she	PRON	Case=Nom Gender=Fem Number=Sing Person=3 PronType=Prs	3 right	nsubj
2	's	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	3 right	cop
3	right	right	ADJ	Degree=Pos	root	root
4	,	,	PUNCT	_	7 means	punct
5	all	all	DET	PronType=Tot	6 debt	det
6	debt	debt	NOUN	Number=Sing	7 means	nsubj
7	means	mean	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	3 right	parataxis
8	bad	bad	ADJ	Degree=Pos	10 skills	amod
9	money	money	NOUN	Number=Sing	10 skills	compound
10	skills	skill	NOUN	Number=Plur	7 means	obj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	is	present	She					right property	tree rules
2	mean	present	all debt	bad money skills					vn intend-61.2-1 «NP V NP»: agent=Agent skill=Topic

Option 4

Mortgages are only for people who never pay bills

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Mortgages	mortgage	NOUN	Number=Plur	5 people	nsubj
2	are	be	AUX	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	5 people	cop
3	only	only	ADV	_	5 people	advmod
4	for	for	ADP	_	5 people	case
5	people	people	NOUN	Number=Plur	root	root
6	who	who	PRON	PronType=Rel	8 pay	nsubj
7	never	never	ADV	PronType=Neg	8 pay	advmod
8	pay	pay	VERB	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	5 people	acl:relcl
9	bills	bill	NOUN	Number=Plur	8 pay	obj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	is	present	Mortgages					for people	tree rules
2	not pay	present	people	bills					vn pay-68-1 «NP V NP»: agent=Agent bill=Asset

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/t6/