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Test 2 · ★★★ · What a bank does with your money and why banks lend

A Geordie lad says, "Me uncle's work's dead up and down, so the bank says nah to his loan, howay man!" ("Howay man" means "come on!") Why did the bank say no?

Mova's choice: option 1 · The right answer: option 3 · wrong ✗ · Who acts: Geordie lad, bank, Howay man · What happens: say, loan, mean, come on · To what, where: nah, loan · Speech: someone speaks here

This is test 2 · ★★★ 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: A Geordie lad says, "Me uncle's work's dead up and down, so the bank says nah to his loan, howay man!"

detcompoundnsubjpunctpunctnsubjcompoundcasensubjcaseccompadvmodccconjpunctadvmoddetnsubjconjobjcasenmod:possoblpunctdiscourseappospunctpunctrootADETGeordiePROPNladNOUNsaysVERB,PUNCT"PUNCTMePRONuncleNOUN'sPARTworkNOUN'sPARTdeadADJupADVandCCONJdownADV,PUNCTsoADVtheDETbankNOUNsaysVERBnahNOUNtoADPhisPRONloanNOUN,PUNCThowayINTJmanNOUN!PUNCT"PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1AaDETDefinite=Ind PronType=Art3 laddet
2GeordieGeordiePROPNNumber=Sing3 ladcompound
3ladladNOUNNumber=Sing4 saysnsubj
4sayssayVERBMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Finrootroot
5,,PUNCT_12 deadpunct
6""PUNCT_12 deadpunct
7MeIPRONCase=Acc Number=Sing Person=1 PronType=Prs8 unclensubj
8uncleuncleNOUNNumber=Sing10 workcompound
9's'sPART_8 unclecase
10workworkNOUNNumber=Sing12 deadnsubj
11's'sPART_10 workcase
12deaddeadADJDegree=Pos4 saysccomp
13upupADV_12 deadadvmod
14andandCCONJ_15 downcc
15downdownADV_13 upconj
16,,PUNCT_20 sayspunct
17sosoADV_20 saysadvmod
18thetheDETDefinite=Def PronType=Art19 bankdet
19bankbankNOUNNumber=Sing20 saysnsubj
20sayssayVERBMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin4 saysconj
21nahnahNOUNNumber=Sing20 saysobj
22totoADP_24 loancase
23hishisPRONCase=Gen Gender=Masc Number=Sing Person=3 Poss=Yes PronType=Prs24 loannmod:poss
24loanloanNOUNNumber=Sing20 saysobl
25,,PUNCT_27 manpunct
26howayhowayINTJNumber=Sing27 mandiscourse
27manmanNOUNNumber=Sing24 loanappos
28!!PUNCT_27 manpunct
29""PUNCT_27 manpunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1say speech: expresspresenta Geordie ladvn say-37.7-1-1 «NP V that S»: agent=Agent
2say speech: assert in a quotepresentthe banknahbank's loanvn say-37.7-1-1 «NP V NP PP.recipient»: agent=Agent nah=Topic to loan=Recipient
3loan in a quotebanknom loan «possession 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: ("Howay man" means "come on!")

punctpunctcompoundnsubjpunctpunctccompadvmodpunctpunctpunctroot(PUNCT"PUNCTHowayPROPNmanNOUN"PUNCTmeansVERB"PUNCTcomeVERBonADV!PUNCT"PUNCT)PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1((PUNCT_6 meanspunct
2""PUNCT_4 manpunct
3HowayHowayPROPNNumber=Sing4 mancompound
4manmanNOUNNumber=Sing6 meansnsubj
5""PUNCT_4 manpunct
6meansmeanVERBMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Finrootroot
7""PUNCT_8 comepunct
8comecomeVERBVerbForm=Inf6 meansccomp
9ononADV_8 comeadvmod
10!!PUNCT_8 comepunct
11""PUNCT_8 comepunct
12))PUNCT_6 meanspunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1meanpresentHoway manvn intend-61.2-1 «NP V S»: agent=Agent clause=Topic
2come on in a quoteinfinitivevn escape-51.1-1 «NP V»: agent=Theme

Sentence 3: Why did the bank say no?

advmodauxdetnsubjdiscoursepunctrootWhyADVdidAUXtheDETbankNOUNsayVERBnoINTJ?PUNCT
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1WhywhyADVPronType=Int5 sayadvmod
2diddoAUXMood=Ind Number=Sing Person=3 Tense=Past VerbForm=Fin5 sayaux
3thetheDETDefinite=Def PronType=Art4 bankdet
4bankbankNOUNNumber=Sing5 saynsubj
5saysayVERBVerbForm=Infrootroot
6nonoINTJPolarity=Neg5 saydiscourse
7??PUNCT_5 saypunct
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1say speech: assertpast · do-supportthe bankvn say-37.7-1-1 «NP V that S»: agent=Agent

The options

Option 1 · ← Mova's choice

Loans are only for people who have no job and need help

nsubjcopadvmodcasensubjacl:relcldetobjccconjobjrootLoansNOUNareAUXonlyADVforADPpeopleNOUNwhoPRONhaveVERBnoDETjobNOUNandCCONJneedVERBhelpNOUN
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1LoansloanNOUNNumber=Plur5 peoplensubj
2arebeAUXMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin5 peoplecop
3onlyonlyADV_5 peopleadvmod
4forforADP_5 peoplecase
5peoplepeopleNOUNNumber=Plurrootroot
6whowhoPRONPronType=Rel7 havensubj
7havehaveVERBMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin5 peopleacl:relcl
8nonoDETPronType=Neg9 jobdet
9jobjobNOUNNumber=Sing7 haveobj
10andandCCONJ_11 needcc
11needneedVERBMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin7 haveconj
12helphelpNOUNNumber=Sing11 needobj
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1ispresentLoansfor peopletree rules
2havepresentpeopleno jobvn birth-28.2-1 «NP V NP»: agent=Agent job=Patient
3needpresentpeople not said herehelpvn want-32.1-1-1 «NP V NP ADV»: agent=Pivot help=Theme

Option 2

The bank thinks his name is too unusual to put on a form

detnsubjnmod:possnsubjcopadvmodccompmarkcsubjcasedetoblrootTheDETbankNOUNthinksVERBhisPRONnameNOUNisAUXtooADVunusualADJtoPARTputVERBonADPaDETformNOUN
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1ThetheDETDefinite=Def PronType=Art2 bankdet
2bankbankNOUNNumber=Sing3 thinksnsubj
3thinksthinkVERBMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Finrootroot
4hishisPRONCase=Gen Gender=Masc Number=Sing Person=3 Poss=Yes PronType=Prs5 namenmod:poss
5namenameNOUNNumber=Sing8 unusualnsubj
6isbeAUXMood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin8 unusualcop
7tootooADV_8 unusualadvmod
8unusualunusualADJDegree=Pos3 thinksccomp
9totoPART_10 putmark
10putputVERBVerbForm=Inf8 unusualcsubj
11ononADP_13 formcase
12aaDETDefinite=Ind PronType=Art13 formdet
13formformNOUNNumber=Sing10 putobl
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1think speech: otherpresentthe bankvn focus-87.1-1 «NP V»: agent=Agent
2ispresentbank's nameunusual propertytree rules
3putto-infinitivea formvn put-9.1-2 «NP V PP.destination NP»: agent=Agent on form=Destination
4namebanknom name «communication transitive»: poss=agent

Option 3 · ✓ the right answer

With uneven income, they worry he can't pay it back

caseamodoblpunctnsubjnsubjauxadvmodccompobjadvmodrootWithADPunevenADJincomeNOUN,PUNCTtheyPRONworryVERBhePRONcaAUXn'tPARTpayVERBitPRONbackADV
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1WithwithADP_3 incomecase
2unevenunevenADJDegree=Pos3 incomeamod
3incomeincomeNOUNNumber=Sing6 worryobl
4,,PUNCT_3 incomepunct
5theytheyPRONCase=Nom Number=Plur Person=3 PronType=Prs6 worrynsubj
6worryworryVERBMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Finrootroot
7hehePRONCase=Nom Gender=Masc Number=Sing Person=3 PronType=Prs10 paynsubj
8cacanAUXVerbForm=Fin10 payaux
9n'tnotPARTPolarity=Neg10 payadvmod
10paypayVERBVerbForm=Inf6 worryccomp
11ititPRONCase=Acc Gender=Neut Number=Sing Person=3 PronType=Prs10 payobj
12backbackADV_10 payadvmod
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1worrypresenttheywith uneven incomevn care-88.1-1 «NP V what S»: agent=Experiencer clause=Stimulus
2not pay backcanheincomevn pay-68-1 «NP V NP»: agent=Agent it=Asset

Option 4

Banks don't lend to anyone at all from the North East

nsubjauxadvmodcaseoblcaseoblcasedetcompoundoblrootBanksNOUNdoAUXn'tPARTlendVERBtoADPanyonePRONatADPallDETfromADPtheDETNorthPROPNEastPROPN
The words, one row each (CoNLL-U)
#wordlemmaUPOSfeaturesheadrelation
1BanksbankNOUNNumber=Plur4 lendnsubj
2dodoAUXMood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin4 lendaux
3n'tnotPARTPolarity=Neg4 lendadvmod
4lendlendVERBVerbForm=Infrootroot
5totoADP_6 anyonecase
6anyoneanyonePRONNumber=Sing PronType=Ind4 lendobl
7atatADP_8 allcase
8allallDETPronType=Tot4 lendobl
9fromfromADP_12 Eastcase
10thetheDETDefinite=Def PronType=Art12 Eastdet
11NorthNorthPROPNNumber=Sing12 Eastcompound
12EastEastPROPNNumber=Sing4 lendobl
#verbtense, moodwhowhat, whomto whomwherewhenotherroles by
1not lendpresent · do-supportBanksanyoneallfrom the North Eastvn give-13.1 «NP V PP.recipient»: agent=Agent to anyone=Recipient

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/t2/