Exam question 4 · What a bank does with your money and why banks lend

Identify the principal reason for which a bank assesses the creditworthiness of an applicant before advancing a loan.

Mova's choice: option 1 · The right answer: option 1 · right ✓ · Who acts: you, bank · What happens: identify, assess, advance · To what, where: principal reason, creditworthiness, loan

This is exam question 4 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	Identify	identify	VERB	Mood=Imp VerbForm=Fin	root	root
2	the	the	DET	Definite=Def PronType=Art	4 reason	det
3	principal	principal	ADJ	Degree=Pos	4 reason	amod
4	reason	reason	NOUN	Number=Sing	1 Identify	obj
5	for	for	ADP	_	6 which	case
6	which	which	PRON	PronType=Rel	9 assesses	obl
7	a	a	DET	Definite=Ind PronType=Art	8 bank	det
8	bank	bank	NOUN	Number=Sing	9 assesses	nsubj
9	assesses	assess	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	4 reason	acl
10	the	the	DET	Definite=Def PronType=Art	11 creditworthiness	det
11	creditworthiness	creditworthiness	NOUN	Number=Sing	9 assesses	obj
12	of	of	ADP	_	14 applicant	case
13	an	a	DET	Definite=Ind PronType=Art	14 applicant	det
14	applicant	applicant	NOUN	Number=Sing	11 creditworthiness	nmod
15	before	before	SCONJ	_	16 advancing	mark
16	advancing	advance	VERB	Tense=Pres VerbForm=Part	9 assesses	advcl
17	a	a	DET	Definite=Ind PronType=Art	18 loan	det
18	loan	loan	NOUN	Number=Sing	16 advancing	obj
19	.	.	PUNCT	_	1 Identify	punct

#	verb	tense, mood	who	what, whom	other	roles by
1	identify	imperative	you not said here	the principal reason		vn characterize-29.2-1-1 «NP V NP S_ING»: agent=Agent reason=Theme
2	assess	present	a bank	the creditworthiness of a applicant	for the principal reason	vn assessment-34.1 «NP V NP PP.attribute»: agent=Agent creditworthiness=Theme for which=Attribute
3	advance	gerund	a bank not said here	a loan		vn caused_calibratable_cos-45.6.2-1 «NP V NP.patient»: agent=Causer loan=Patient

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 · ← Mova's choice · ✓ the right answer

The protection of depositors' funds against loans that are not repaid

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 protection	det
2	protection	protection	NOUN	Number=Sing	root	root
3	of	of	ADP	_	6 funds	case
4	depositors	depositor	NOUN	Number=Plur	6 funds	nmod:poss
5	'	's	PART	_	4 depositors	case
6	funds	fund	NOUN	Number=Plur	2 protection	nmod
7	against	against	ADP	_	8 loans	case
8	loans	loan	NOUN	Number=Plur	6 funds	nmod
9	that	that	PRON	PronType=Rel	12 repaid	obj
10	are	be	AUX	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	12 repaid	aux:pass
11	not	not	PART	Polarity=Neg	12 repaid	advmod
12	repaid	repay	VERB	Tense=Past VerbForm=Part Voice=Pass	8 loans	acl:relcl

#	verb	tense, mood	who	what, whom	other	roles by
1	not repay	present · passive		loans		vn equip-13.4.2-1 «NP V NP.recipient»: that=Recipient
2	protect			depositors's funds against loans		nom protection «act transitive»: of=patient
3	fund		depositors		against loans	nom fund «possession transitive»: poss=agent against=obl

Option 2

The compilation of a record of the applicant's hobbies

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 compilation	det
2	compilation	compilation	NOUN	Number=Sing	root	root
3	of	of	ADP	_	5 record	case
4	a	a	DET	Definite=Ind PronType=Art	5 record	det
5	record	record	NOUN	Number=Sing	2 compilation	nmod
6	of	of	ADP	_	10 hobbies	case
7	the	the	DET	Definite=Def PronType=Art	8 applicant	det
8	applicant	applicant	NOUN	Number=Sing	10 hobbies	nmod:poss
9	's	's	PART	_	8 applicant	case
10	hobbies	hobby	NOUN	Number=Plur	5 record	nmod

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	compile			a record of the applicant's hobbies					nom compilation «communication transitive»: of=patient
2	record			the applicant's hobbies					nom record «communication transitive»: of=patient

Option 3

The determination of the colour of the applicant's account

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 determination	det
2	determination	determination	NOUN	Number=Sing	root	root
3	of	of	ADP	_	5 colour	case
4	the	the	DET	Definite=Def PronType=Art	5 colour	det
5	colour	colour	NOUN	Number=Sing	2 determination	nmod
6	of	of	ADP	_	10 account	case
7	the	the	DET	Definite=Def PronType=Art	8 applicant	det
8	applicant	applicant	NOUN	Number=Sing	10 account	nmod:poss
9	's	's	PART	_	8 applicant	case
10	account	account	NOUN	Number=Sing	5 colour	nmod

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	determine		the colour of the applicant's account						nom determination «act intransitive»: of=agent
2	account		the applicant						nom account «communication transitive»: poss=agent

Option 4

Compliance with a requirement that loans be refused to all applicants

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Compliance	compliance	NOUN	Number=Sing	8 refused	nsubj:pass
2	with	with	ADP	_	4 requirement	case
3	a	a	DET	Definite=Ind PronType=Art	4 requirement	det
4	requirement	requirement	NOUN	Number=Sing	1 Compliance	nmod
5	that	that	PRON	PronType=Rel	6 loans	nsubj
6	loans	loan	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	8 refused	aux:pass
7	be	be	AUX	VerbForm=Inf	8 refused	aux:pass
8	refused	refuse	VERB	Tense=Past VerbForm=Part Voice=Pass	root	root
9	to	to	ADP	_	11 applicants	case
10	all	all	DET	PronType=Tot	11 applicants	det
11	applicants	applicant	NOUN	Number=Plur	8 refused	obl

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	refuse	present · passive		Compliance with a requirement				to all applicants	vn reject-77.2 «NP V NP»: subject=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.

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