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Test 7 · ★★★ · What a bank does with your money and why banks lend

In a cartoon, a bank lends to everyone without asking any questions, and the bank grows richer every day. What would really happen?

Mova's choice: option 1 · The right answer: option 1 · right ✓ · Who acts: bank · What happens: lend, ask, grow, happen · To what, where: everyone, cartoon, questions

This is test 7 · ★★★ 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: In a cartoon, a bank lends to everyone without asking any questions, and the bank grows richer every day.

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	In	in	ADP	_	3 cartoon	case
2	a	a	DET	Definite=Ind PronType=Art	3 cartoon	det
3	cartoon	cartoon	NOUN	Number=Sing	7 lends	obl
4	,	,	PUNCT	_	3 cartoon	punct
5	a	a	DET	Definite=Ind PronType=Art	6 bank	det
6	bank	bank	NOUN	Number=Sing	7 lends	nsubj
7	lends	lend	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
8	to	to	ADP	_	9 everyone	case
9	everyone	everyone	PRON	Number=Sing PronType=Tot	7 lends	obl
10	without	without	SCONJ	_	11 asking	mark
11	asking	ask	VERB	Tense=Pres VerbForm=Part	7 lends	advcl
12	any	any	DET	PronType=Ind	13 questions	det
13	questions	question	NOUN	Number=Plur	11 asking	obj
14	,	,	PUNCT	_	18 grows	punct
15	and	and	CCONJ	_	18 grows	cc
16	the	the	DET	Definite=Def PronType=Art	17 bank	det
17	bank	bank	NOUN	Number=Sing	18 grows	nsubj
18	grows	grow	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	7 lends	conj
19	richer	rich	ADJ	Degree=Cmp	18 grows	xcomp
20	every	every	DET	PronType=Tot	21 day	det
21	day	day	NOUN	Number=Sing	18 grows	obl:unmarked
22	.	.	PUNCT	_	7 lends	punct

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	lend	present	a bank		everyone	a cartoon			vn give-13.1 «NP V PP.recipient»: agent=Agent to everyone=Recipient
2	ask speech: ask	gerund	a bank not said here	any questions					vn inquire-37.1.2 «NP V NP.recipient»: agent=Agent question=Recipient
3	grow	present	the bank				day	rich property	vn appear-48.1.1 «NP V»: agent=Theme

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 really happen?

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	What	what	PRON	PronType=Int	4 happen	nsubj
2	would	would	AUX	VerbForm=Fin	4 happen	aux
3	really	really	ADV	_	4 happen	advmod
4	happen	happen	VERB	VerbForm=Inf	root	root
5	?	?	PUNCT	_	4 happen	punct

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	happen	would							vn occur-48.3-1 «NP V»: agent=Theme

The options

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

Some couldn't pay back, and the bank could lose lots of money

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Some	some	DET	PronType=Ind	4 pay	nsubj
2	could	could	AUX	VerbForm=Fin	4 pay	aux
3	n't	not	PART	Polarity=Neg	4 pay	advmod
4	pay	pay	VERB	VerbForm=Inf	root	root
5	back	back	ADV	_	4 pay	advmod
6	,	,	PUNCT	_	11 lose	punct
7	and	and	CCONJ	_	11 lose	cc
8	the	the	DET	Definite=Def PronType=Art	9 bank	det
9	bank	bank	NOUN	Number=Sing	11 lose	nsubj
10	could	could	AUX	VerbForm=Fin	11 lose	aux
11	lose	lose	VERB	VerbForm=Inf	4 pay	conj
12	lots	lot	NOUN	Number=Plur	11 lose	obj
13	of	of	ADP	_	14 money	case
14	money	money	NOUN	Number=Sing	12 lots	nmod

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	not pay back	could	Some						vn pay-68-1 «NP V NP»: agent=Agent
2	lose	could	the bank	lots of money					vn succeed-74-3-1 «NP V NP»: agent=Agent lot=Eventuality

Option 2

The bank would run out of loans but not money

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 bank	det
2	bank	bank	NOUN	Number=Sing	4 run	nsubj
3	would	would	AUX	VerbForm=Fin	4 run	aux
4	run	run	VERB	VerbForm=Inf	root	root
5	out	out	ADP	_	7 loans	case
6	of	of	ADP	_	7 loans	case
7	loans	loan	NOUN	Number=Plur	4 run	obl
8	but	but	CCONJ	_	10 money	cc
9	not	not	PART	Polarity=Neg	10 money	advmod
10	money	money	NOUN	Number=Sing	7 loans	conj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	run	would	the bank			loans but money			vn run-51.3.2-2-1 «NP V PP.location»: agent=Theme out loan=Trajectory

Option 3

Nothing, because unpaid loans cost banks nothing

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Nothing	nothing	PRON	Number=Sing PronType=Neg	root	root
2	,	,	PUNCT	_	6 cost	punct
3	because	because	SCONJ	_	6 cost	mark
4	unpaid	unpaid	ADJ	Degree=Pos	5 loans	amod
5	loans	loan	NOUN	Number=Plur	6 cost	nsubj
6	cost	cost	VERB	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	1 Nothing	parataxis
7	banks	bank	NOUN	Number=Plur	6 cost	obj
8	nothing	nothing	PRON	Number=Sing PronType=Neg	6 cost	obj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	cost	present	unpaid loans	banks					vn cost-54.2 «NP V NP NP»: agent=Theme bank=Beneficiary nothing=Value

Option 4

Everyone would always pay back on time, so it's fine

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	Everyone	everyone	PRON	Number=Sing PronType=Tot	4 pay	nsubj
2	would	would	AUX	VerbForm=Fin	4 pay	aux
3	always	always	ADV	PronType=Tot	4 pay	advmod
4	pay	pay	VERB	VerbForm=Inf	root	root
5	back	back	ADV	_	4 pay	advmod
6	on	on	ADP	_	7 time	case
7	time	time	NOUN	Number=Sing	4 pay	obl
8	,	,	PUNCT	_	12 fine	punct
9	so	so	ADV	_	12 fine	advmod
10	it	it	PRON	Case=Nom Gender=Neut Number=Sing Person=3 PronType=Prs	12 fine	expl
11	's	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	12 fine	cop
12	fine	fine	ADJ	Degree=Pos	4 pay	conj

#	verb	tense, mood	who	what, whom	to whom	where	when	other	roles by
1	pay back	would	Everyone				time	always property	vn pay-68-1 «NP V NP»: agent=Agent
2	is	present	Everyone not said here					fine property	tree rules

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/t7/