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Test 8 · ★ · Debt, loans, credit cards and interest

Mum says, "My credit score's good, it's like a report card for paying stuff back." What would happen if she missed lots of payments?

Mova's choice: option 1 · The right answer: option 1 · right ✓ · Who acts: Mum, score, report card, My · What happens: say, be, pay back, score, happen, miss · To what, where: stuff, lots · Speech: someone speaks here

This is test 8 · ★ 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: Mum says, "My credit score's good, it's like a report card for paying stuff back."

nsubjpunctpunctnmod:posscompoundnsubjcaseccomppunctnsubjcopcasedetcompoundconjmarkaclobjadvmodpunctpunctrootMumNOUNsaysVERB,PUNCT"PUNCTMyPRONcreditNOUNscoreNOUN'sPARTgoodADJ,PUNCTitPRON'sAUXlikeADPaDETreportNOUNcardNOUNforSCONJpayingVERBstuffNOUNbackADV.PUNCT"PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1MummumNOUNNumber=Sing2 saysnsubj
2sayssayVERBMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Finrootroot
3,,PUNCT_2 sayspunct
4""PUNCT_9 goodpunct
5MymyPRONCase=Gen Number=Sing Person=1 Poss=Yes PronType=Prs7 scorenmod:poss
6creditcreditNOUNNumber=Sing7 scorecompound
7scorescoreNOUNNumber=Sing9 goodnsubj
8's'sPART_7 scorecase
9goodgoodADJDegree=Pos2 saysccomp
10,,PUNCT_16 cardpunct
11ititPRONCase=Nom Gender=Neut Number=Sing Person=3 PronType=Prs16 cardnsubj
12'sbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin16 cardcop
13likelikeADP_16 cardcase
14aaDETDefinite=Ind PronType=Art16 carddet
15reportreportNOUNNumber=Sing16 cardcompound
16cardcardNOUNNumber=Sing9 goodconj
17forforSCONJ_18 payingmark
18payingpayVERBVerbForm=Ger16 cardacl
19stuffstuffNOUNNumber=Sing18 payingobj
20backbackADV_18 payingadvmod
21..PUNCT_9 goodpunct
22""PUNCT_9 goodpunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1say speech: assertpresentMumvn say-37.7-1-1 «NP V that S»: agent=Agent
2is in a quotepresentscorelike a report cardtree rules
3pay back in a quotegerunda report card not said herestuffvn pay-68-1 «NP V NP»: agent=Agent stuff=Asset
4score in a quoteMynom score «cognition transitive»: poss=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: What would happen if she missed lots of payments?

nsubjauxmarknsubjadvclobjcasenmodpunctrootWhatPRONwouldAUXhappenVERBifSCONJshePRONmissedVERBlotsNOUNofADPpaymentsNOUN?PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1WhatwhatPRONPronType=Int3 happennsubj
2wouldwouldAUXVerbForm=Fin3 happenaux
3happenhappenVERBVerbForm=Infrootroot
4ififSCONJ_6 missedmark
5sheshePRONCase=Nom Gender=Fem Number=Sing Person=3 PronType=Prs6 missednsubj
6missedmissVERBMood=Ind Number=Sing Person=3 Tense=Past VerbForm=Fin3 happenadvcl
7lotslotNOUNNumber=Plur6 missedobj
8ofofADP_9 paymentscase
9paymentspaymentNOUNNumber=Plur7 lotsnmod
10??PUNCT_3 happenpunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1happenwouldvn occur-48.3-1 «NP V»: agent=Theme
2miss a condition, not said to happenpastMumlots of paymentsvn admire-31.2 «NP V NP»: agent=Experiencer lot=Stimulus

The options

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

Her score would drop, and borrowing would get harder

nmod:possnsubjauxpunctcccsubjauxconjxcomprootHerPRONscoreNOUNwouldAUXdropVERB,PUNCTandCCONJborrowingVERBwouldAUXgetVERBharderADJ
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1HerherPRONCase=Gen Gender=Fem Number=Sing Person=3 Poss=Yes PronType=Prs2 scorenmod:poss
2scorescoreNOUNNumber=Sing4 dropnsubj
3wouldwouldAUXVerbForm=Fin4 dropaux
4dropdropVERBVerbForm=Infrootroot
5,,PUNCT_9 getpunct
6andandCCONJ_9 getcc
7borrowingborrowVERBVerbForm=Ger9 getcsubj
8wouldwouldAUXVerbForm=Fin9 getaux
9getgetVERBVerbForm=Inf4 dropconj
10harderhardADJDegree=Cmp9 getxcomp
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1dropwouldHer scorevn roll-51.3.1 «NP.theme V»: agent=Theme
2borrowgerundvn obtain-13.5.2 «NP V NP»: agent=Agent
3getwouldborrowinghard propertyvn comprehend-87.2-1 «NP V S_ING»: agent=Experiencer
4scoreHer = shenom score «cognition transitive»: poss=agent

Option 2

Her score would go up, because she kept her money

nmod:possnsubjauxcompound:prtpunctmarknsubjadvclnmod:possobjrootHerPRONscoreNOUNwouldAUXgoVERBupADP,PUNCTbecauseSCONJshePRONkeptVERBherPRONmoneyNOUN
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1HerherPRONCase=Gen Gender=Fem Number=Sing Person=3 Poss=Yes PronType=Prs2 scorenmod:poss
2scorescoreNOUNNumber=Sing4 gonsubj
3wouldwouldAUXVerbForm=Fin4 goaux
4gogoVERBVerbForm=Infrootroot
5upupADP_4 gocompound:prt
6,,PUNCT_9 keptpunct
7becausebecauseSCONJ_9 keptmark
8sheshePRONCase=Nom Gender=Fem Number=Sing Person=3 PronType=Prs9 keptnsubj
9keptkeepVERBMood=Ind Number=Sing Person=3 Tense=Past VerbForm=Fin4 goadvcl
10herherPRONCase=Gen Gender=Fem Number=Sing Person=3 Poss=Yes PronType=Prs11 moneynmod:poss
11moneymoneyNOUNNumber=Sing9 keptobj
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1go upwouldHer scorevn calibratable_cos-45.6.1-1 «NP.attribute V»: agent=Attribute
2keeppastscorescore's moneyvn keep-15.2 «NP V NP»: agent=Agent money=Theme
3scoreHer = shenom score «cognition transitive»: poss=agent

Option 3

Nothing, because scores never change once they're first set

punctmarknsubjadvmodconjmarknsubj:passaux:passadvmodadvclrootNothingPRON,PUNCTbecauseSCONJscoresNOUNneverADVchangeVERBonceSCONJtheyPRON'reAUXfirstADVsetVERB
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1NothingnothingPRONNumber=Sing PronType=Negrootroot
2,,PUNCT_6 changepunct
3becausebecauseSCONJ_6 changemark
4scoresscoreNOUNNumber=Plur6 changensubj
5neverneverADVPronType=Neg6 changeadvmod
6changechangeVERBMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin1 Nothingconj
7onceonceSCONJ_11 setmark
8theytheyPRONCase=Nom Number=Plur Person=3 PronType=Prs11 setnsubj:pass
9'rebeAUXMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin11 setaux:pass
10firstfirstADVNumForm=Word NumType=Ord11 setadvmod
11setsetVERBTense=Past VerbForm=Part Voice=Pass6 changeadvcl
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1not changepresentscoresvn dress-41.1.1-1-1 «NP V»: agent=Agent
2setpresent · passivescores = scorefirst propertyvn other_cos-45.4-1 «NP V NP ADJ»: subject=Result

Option 4

The bank would send her a reward for saving

detnsubjauxobjdetobjcaseoblrootTheDETbankNOUNwouldAUXsendVERBherPRONaDETrewardNOUNforADPsavingNOUN
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1ThetheDETDefinite=Def PronType=Art2 bankdet
2bankbankNOUNNumber=Sing4 sendnsubj
3wouldwouldAUXVerbForm=Fin4 sendaux
4sendsendVERBVerbForm=Infrootroot
5hershePRONCase=Acc Gender=Fem Number=Sing Person=3 PronType=Prs4 sendobj
6aaDETDefinite=Ind PronType=Art7 rewarddet
7rewardrewardNOUNNumber=Sing4 sendobj
8forforADP_9 savingcase
9savingsavingNOUNNumber=Sing4 sendobl
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1sendwouldthe banka rewardher = shefor savingvn send-11.1-1 «NP V NP-Dative NP»: agent=Agent she=Destination reward=Theme

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/t8/