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Test 10 · ★★★ · What a bank does with your money and why banks lend

Mia goes, "Why's the bank pay me 3% but charge Mum 20%? That's daylight robbery!" What's the best explanation?

Mova's choice: option 2 · The right answer: option 2 · right ✓ · Who acts: Mia, bank, That, best explanation · What happens: go, pay, charge, be · To what, where: me, Mum, daylight robbery · Speech: someone speaks here

This is test 10 · ★★★ of lesson 28 «What a bank does with your money and why banks lend» 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: Mia goes, "Why's the bank pay me 3% but charge Mum 20%?

nsubjpunctpunctadvmodauxdetnsubjparataxisiobjnummodobl:unmarkedccconjobjnummodobjpunctrootMiaPROPNgoesVERB,PUNCT"PUNCTWhyADV'sAUXtheDETbankNOUNpayVERBmePRON3NUM%SYMbutCCONJchargeVERBMumNOUN20NUM%SYM?PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1MiaMiaPROPNNumber=Sing2 goesnsubj
2goesgoVERBMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Finrootroot
3,,PUNCT_2 goespunct
4""PUNCT_9 paypunct
5WhywhyADVPronType=Int9 payadvmod
6'sbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin9 payaux
7thetheDETDefinite=Def PronType=Art8 bankdet
8bankbankNOUNNumber=Sing9 paynsubj
9paypayVERBVerbForm=Inf2 goesparataxis
10meIPRONCase=Acc Number=Sing Person=1 PronType=Prs9 payiobj
1133NUMNumForm=Digit NumType=Card12 %nummod
12%%SYMNumber=Sing9 payobl:unmarked
13butbutCCONJ_14 chargecc
14chargechargeVERBMood=Ind Tense=Pres VerbForm=Fin9 payconj
15MummumNOUNNumber=Sing14 chargeobj
162020NUMNumForm=Digit NumType=Card17 %nummod
17%%SYMNumber=Sing14 chargeobj
18??PUNCT_2 goespunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1gopresentMiavn say-37.7 «NP V S-Quote»: agent=Agent clause=Topic
2pay in a quotepresentthe bankmevn pay-68-1 «NP V NP»: agent=Agent i=Asset
3charge in a quotepresentthe bank not said hereMumvn bill-54.5-1 «NP V NP NP.asset»: agent=Agent mum=Recipient %=Asset

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: That's daylight robbery!"

nsubjcopcompoundpunctpunctrootThatPRON'sAUXdaylightNOUNrobberyNOUN!PUNCT"PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1ThatthatPRONNumber=Sing PronType=Dem4 robberynsubj
2'sbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin4 robberycop
3daylightdaylightNOUNNumber=Sing4 robberycompound
4robberyrobberyNOUNNumber=Singrootroot
5!!PUNCT_4 robberypunct
6""PUNCT_4 robberypunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1is apresentThatdaylight robberytree rules

Sentence 3: What's the best explanation?

copdetamodnsubjpunctrootWhatPRON'sAUXtheDETbestADJexplanationNOUN?PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1WhatwhatPRONPronType=Introotroot
2'sbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin1 Whatcop
3thetheDETDefinite=Def PronType=Art5 explanationdet
4bestgoodADJDegree=Sup5 explanationamod
5explanationexplanationNOUNNumber=Sing1 Whatnsubj
6??PUNCT_1 Whatpunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1is apresentthe best explanationtree rules

The options

Option 1

Mum must have broken some bank rule last year without knowing

nsubjauxauxamoddetnsubjamodobl:unmarkedmarkadvclrootMumNOUNmustAUXhaveAUXbrokenVERBsomeDETbankNOUNruleVERBlastADJyearNOUNwithoutSCONJknowingVERB
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1MummumNOUNNumber=Sing4 brokennsubj
2mustmustAUXVerbForm=Fin4 brokenaux
3havehaveAUXVerbForm=Inf4 brokenaux
4brokenbreakVERBTense=Past VerbForm=Part Voice=Pass6 bankamod
5somesomeDETPronType=Ind6 bankdet
6bankbankNOUNNumber=Sing7 rulensubj
7ruleruleVERBMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Finrootroot
8lastlastADJDegree=Pos9 yearamod
9yearyearNOUNNumber=Sing7 ruleobl:unmarked
10withoutwithoutSCONJ_11 knowingmark
11knowingknowVERBTense=Pres VerbForm=Part7 ruleadvcl
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1breakmust · perfectMumvn hurt-40.8.3-1-1 «NP V»: agent=Patient
2rulepresentsome broken bankyearvn dub-29.3.2 «NP V NP»: agent=Agent
3knowgerundsome broken bank not said herevn comprehend-87.2-1-1-1 «NP V»: agent=Experiencer

Option 2 · ← Mova's choice · ✓ the right answer

Banks earn from the difference; card lending is risky

nsubjcasedetoblpunctcompoundnsubjcopadvclrootBanksNOUNearnVERBfromADPtheDETdifferenceNOUN;PUNCTcardNOUNlendingNOUNisAUXriskyADJ
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1BanksbankNOUNNumber=Plur2 earnnsubj
2earnearnVERBMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Finrootroot
3fromfromADP_5 differencecase
4thetheDETDefinite=Def PronType=Art5 differencedet
5differencedifferenceNOUNNumber=Sing2 earnobl
6;;PUNCT_10 riskypunct
7cardcardNOUNNumber=Sing8 lendingcompound
8lendinglendingNOUNNumber=Sing10 riskynsubj
9isbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin10 riskycop
10riskyriskyADJDegree=Pos2 earnadvcl
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1earnpresentBanksthe differencevn get-13.5.1-1 «NP V NP PP.source»: agent=Agent from difference=Source
2ispresentcard lendingrisky propertytree rules

Option 3

Interest rates are picked each week by spinning a big wheel

compoundnsubj:passaux:passdetobl:unmarkedmarkadvcldetamodobjrootInterestNOUNratesNOUNareAUXpickedVERBeachDETweekNOUNbySCONJspinningVERBaDETbigADJwheelNOUN
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1InterestinterestNOUNNumber=Sing2 ratescompound
2ratesrateNOUNNumber=Plur4 pickednsubj:pass
3arebeAUXMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin4 pickedaux:pass
4pickedpickVERBTense=Past VerbForm=Part Voice=Passrootroot
5eacheachDETPronType=Tot6 weekdet
6weekweekNOUNNumber=Sing4 pickedobl:unmarked
7bybySCONJ_8 spinningmark
8spinningspinVERBTense=Pres VerbForm=Part4 pickedadvcl
9aaDETDefinite=Ind PronType=Art11 wheeldet
10bigbigADJDegree=Pos11 wheelamod
11wheelwheelNOUNNumber=Sing8 spinningobj
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1pickpresent · passiveInterest ratesweekvn chew-39.2 «NP V NP»: subject=Patient
2spingerunda big wheelvn roll-51.3.1 «NP V NP.theme»: agent=Agent wheel=Theme

Option 4

The bank is cheating her, and it's against the law to do it

The tree, 14 words
detnsubjauxobjpunctccnsubjcopcasedetconjmarkaclobjrootTheDETbankNOUNisAUXcheatingVERBherPRON,PUNCTandCCONJitPRON'sAUXagainstADPtheDETlawNOUNtoPARTdoVERBitPRON
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1ThetheDETDefinite=Def PronType=Art2 bankdet
2bankbankNOUNNumber=Sing4 cheatingnsubj
3isbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin4 cheatingaux
4cheatingcheatVERBTense=Pres VerbForm=Partrootroot
5hershePRONCase=Acc Gender=Fem Number=Sing Person=3 PronType=Prs4 cheatingobj
6,,PUNCT_12 lawpunct
7andandCCONJ_12 lawcc
8ititPRONCase=Nom Gender=Neut Number=Sing Person=3 PronType=Prs12 lawnsubj
9'sbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin12 lawcop
10againstagainstADP_12 lawcase
11thetheDETDefinite=Def PronType=Art12 lawdet
12lawlawNOUNNumber=Sing4 cheatingconj
13totoPART_14 domark
14dodoVERBVerbForm=Inf12 lawacl
15ititPRONCase=Acc Gender=Neut Number=Sing Person=3 PronType=Prs14 doobj
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1cheatpresent · progressivethe bankher = shevn cheat-10.6.1 «NP V NP»: agent=Agent she=Source
2ispresentbankagainst the lawtree rules
3doto-infinitivethe bank not said herebankvn act-114-1 «NP V NP»: agent=Agent it=Eventuality

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/t10/