Exam question 3 · What a bank does with your money and why banks lend

Which of the following statements most accurately characterises the principal source of a bank's profit?

Mova's choice: option 2 · The right answer: option 3 · wrong ✗ · Who acts: bank · What happens: follow, characteris, profit · To what, where: principal source

This is exam question 3 of lesson 28 «What a bank does with your money and why banks lend» of the money course of Mova's primary school, asked in stiff, formal language. 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

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Which	which	PRON	PronType=Rel	8 characterises	nsubj
2	of	of	ADP	_	5 statements	case
3	the	the	DET	Definite=Def PronType=Art	5 statements	det
4	following	follow	VERB	VerbForm=Ger	5 statements	amod
5	statements	statement	NOUN	Number=Plur	8 characterises	obl
6	most	most	ADV	Degree=Sup	7 accurately	advmod
7	accurately	accurately	ADV	_	8 characterises	advmod
8	characterises	characteris	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
9	the	the	DET	Definite=Def PronType=Art	11 source	det
10	principal	principal	ADJ	Degree=Pos	11 source	amod
11	source	source	NOUN	Number=Sing	8 characterises	obj
12	of	of	ADP	_	16 profit	case
13	a	a	DET	Definite=Ind PronType=Art	14 bank	det
14	bank	bank	NOUN	Number=Sing	16 profit	nmod:poss
15	's	's	PART	_	14 bank	case
16	profit	profit	NOUN	Number=Sing	11 source	nmod
17	?	?	PUNCT	_	8 characterises	punct

#	verb	tense, mood	who	what, whom	other	roles by
1	follow	gerund				vn occur-48.3-1 «NP V»: agent=Theme
2	characteris	present		the principal source of a bank's profit	of the following statements; accurately property	tree rules
3	profit		a bank			nom profit «possession intransitive»: 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.

The options

Option 1

The sale of the bank's buildings to the government every year

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 sale	det
2	sale	sale	NOUN	Number=Sing	root	root
3	of	of	ADP	_	7 buildings	case
4	the	the	DET	Definite=Def PronType=Art	5 bank	det
5	bank	bank	NOUN	Number=Sing	7 buildings	nmod:poss
6	's	's	PART	_	5 bank	case
7	buildings	building	NOUN	Number=Plur	2 sale	nmod
8	to	to	ADP	_	10 government	case
9	the	the	DET	Definite=Def PronType=Art	10 government	det
10	government	government	NOUN	Number=Sing	7 buildings	nmod
11	every	every	DET	PronType=Tot	12 year	det
12	year	year	NOUN	Number=Sing	2 sale	nmod:unmarked

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

Option 2 · ← Mova's choice

The printing of banknotes for the bank's own use

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 printing	det
2	printing	printing	NOUN	Number=Sing	root	root
3	of	of	ADP	_	4 banknotes	case
4	banknotes	banknote	NOUN	Number=Plur	2 printing	nmod
5	for	for	ADP	_	10 use	case
6	the	the	DET	Definite=Def PronType=Art	7 bank	det
7	bank	bank	NOUN	Number=Sing	10 use	nmod:poss
8	's	's	PART	_	7 bank	case
9	own	own	ADJ	Degree=Pos	10 use	amod
10	use	use	NOUN	Number=Sing	2 printing	nmod

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	print			banknotes				for the bank's own use	nom printing «communication transitive»: of=patient for=obl
2	use		the bank						nom use «act transitive»: poss=agent

Option 3 · ✓ the right answer

The difference between the interest charged to borrowers and that paid to savers

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 difference	det
2	difference	difference	NOUN	Number=Sing	6 charged	nsubj:pass
3	between	between	ADP	_	5 interest	case
4	the	the	DET	Definite=Def PronType=Art	5 interest	det
5	interest	interest	NOUN	Number=Sing	2 difference	nmod
6	charged	charge	VERB	Tense=Past VerbForm=Part Voice=Pass	root	root
7	to	to	ADP	_	8 borrowers	case
8	borrowers	borrower	NOUN	Number=Plur	6 charged	obl
9	and	and	CCONJ	_	11 paid	cc
10	that	that	PRON	PronType=Rel	11 paid	nsubj
11	paid	pay	VERB	Mood=Ind Number=Sing Person=3 Tense=Past VerbForm=Fin	6 charged	conj
12	to	to	ADP	_	13 savers	case
13	savers	saver	NOUN	Number=Plur	11 paid	obl

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	charge	participle · passive		the difference between the interest				to borrowers	vn run-51.3.2 «PP.location V NP»: subject=Theme
2	pay	past	that					to savers	vn pay-68-1 «NP V NP»: agent=Agent

Option 4

A fee levied upon each customer for entering a branch

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	A	a	DET	Definite=Ind PronType=Art	2 fee	det
2	fee	fee	NOUN	Number=Sing	root	root
3	levied	levy	VERB	Tense=Past VerbForm=Part Voice=Pass	2 fee	acl
4	upon	upon	ADP	_	6 customer	case
5	each	each	DET	PronType=Tot	6 customer	det
6	customer	customer	NOUN	Number=Sing	3 levied	obl
7	for	for	SCONJ	_	8 entering	mark
8	entering	enter	VERB	Tense=Pres VerbForm=Part	3 levied	advcl
9	a	a	DET	Definite=Ind PronType=Art	10 branch	det
10	branch	branch	NOUN	Number=Sing	8 entering	obj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	levy	participle		a fee not said here				upon each customer	tree rules
2	enter	gerund		a branch					vn escape-51.1-1-2 «NP V NP»: agent=Theme branch=Destination

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/28-what-a-bank-does-with-your-money/e3/