Mova0.5 pre-release⌕
☰
home / at school / Adult life / 7

Cards, banks and apps

Tests: 4 of 11 right · Exam: 2 of 4 right · Kind: plain · Understood: 10 of 15 · Run: 2026-10-18, commit f3c23ea72

Lesson 7 of the adult life course of Mova's primary school, as Mova's small model took its tests: it had read this lesson and the ones before it and learned from their exercises. Each test shows the options in the order the student saw them, its choice, the right answer, the score of every option and why it chose. The lesson itself, sentence by sentence with trees and pragmatics: the lesson in the corpora.

Every question of this lesson and each of its options parsed by Mova, with trees and pragmatics: the lesson's questions in the corpora.

Test 1 · right ✓

Your brother says "Contactless isn't real money, it's just beeping." Put him right.

  • 1. It is the shop's money, not ours — score 4
  • 2. It is real money taken straight from the account — ← Mova's choice · ✓ the right answer · score 6
  • 3. It only becomes real if you sign — score 4
  • 4. He is right, it is only practice money — score 4

Why: It took the question to ask which statement is true. It chose option 2 with score 6, against 4 for the next best. Its support: lesson 7, line 14: «A subscription keeps taking money every month until it is cancelled, and free trials often turn into payments.», reached through the remembered sentence the question matched. What matched: the same action «take» (+4); the same thing acted on «money» (+4). Against it: a different doer (counts against) (-2). · the question and its options parsed, with trees and pragmatics

Test 2 · right ✓

A message pops up: "Bank security! Reply with your card PIN to unlock your account." What do you do?

  • 1. Reply with only half of the PIN — no support
  • 2. Send the PIN but not the card number — no support
  • 3. Reply quickly so the account unlocks before it is too late — no support
  • 4. Show a grown-up and never reply with the PIN — ← Mova's choice · ✓ the right answer · score 8

Why: It took the question to ask what is done. It chose option 4 with score 8, the only option with support. Its support: lesson 7, line 2: «A debit card spends money already in the account; a credit card borrows money that must be paid back later. A PIN is the secret number that proves the card is…», reached through the same lesson line as the sentence the question matched. What matched: it fills the role the question asks for (+4); the same action «prove» (+3); a different doer (counts against) (+1). · the question and its options parsed, with trees and pragmatics

Test 3 · wrong ✗

Auntie laughs: "Credit card's great, it's free money!" Which is true?

  • 1. It is free money that never needs paying — ← Mova's choice · score 3
  • 2. The bank pays the bill if you forget — no support
  • 3. It only works for buying presents — no support
  • 4. It is a loan, with a bill on the way — ✓ the right answer · no support

Why: It took the question to ask which statement is true. It chose option 1 with score 3, the only option with support. Its support: lesson 7, line 2: «A debit card spends money already in the account; a credit card borrows money that must be paid back later. A PIN is the secret number that proves the card is…», reached through the same lesson line as the sentence the question matched. What matched: the same doer «money» (+2); the same thing acted on «money» (+2). Against it: a different action (counts against) (-1). The right option, 4, found no support in what it remembers. · the question and its options parsed, with trees and pragmatics

Test 4 · wrong ✗

Dad on the phone, stressed: "We're £200 in the red till payday." What is happening?

  • 1. The bank owes the family £200 — ← Mova's choice · no support
  • 2. Payday has been cancelled this month — no support
  • 3. The account is below zero, in the overdraft — ✓ the right answer · no support
  • 4. The family has £200 saved up — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Test 5 · right ✓

Grandad puts £1000 in savings and leaves it there 30 years, never taking the interest out. What happens?

  • 1. It grows by the same small amount, and no more, every year — score 4
  • 2. It shrinks every year because the bank takes big fees — score 0
  • 3. It stays at £1000 because savings never grow — score 2
  • 4. It grows faster and faster as interest earns interest — ← Mova's choice · ✓ the right answer · score 8

Why: It took the question to ask what happens next. It chose option 4 with score 8, against 4 for the next best. Its support: lesson 7, line 11: «Compound interest means you earn interest on the interest, so savings grow faster over many years, and unpaid debts grow the same way.», reached through what followed the sentence the question matched. What matched: the same action «grow» (+4); its «because» matches the remembered cause (+4); the same property (+2). Against it: a different doer (counts against) (-2). · the question and its options parsed, with trees and pragmatics

Test 6 · wrong ✗

Mum scrolls the statement and gasps "What's this £9.99 every month since March??" What has probably happened?

  • 1. The bank has given her a present each month — ← Mova's choice · no support
  • 2. A forgotten subscription kept taking money — ✓ the right answer · no support
  • 3. The cash machine charged her once — no support
  • 4. Someone paid her back for a takeaway — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Test 7 · wrong ✗

Your mate says "That cash machine says £2.50 fee, but whatever, it's only once." Why might a grown-up still walk on?

  • 1. The fees all go straight to charity — no support
  • 2. The fee is only charged to children — ← Mova's choice · score 2
  • 3. Small fees add up over a year — ✓ the right answer · no support
  • 4. Free machines give out extra money — score 1

Why: It took the question to ask why something happens (its cause). It chose option 2 with score 2, against 1 for the next best. Its support: lesson 7, line 15: «Some cash machines charge a fee for taking out money, while most bank ones are free.», reached through the option's own match among the sentences about the question's things. What matched: the same action «charge» (+2); the same thing acted on «fee» (+1). Against it: a different doer (counts against) (-1). The right option, 3, found no support in what it remembers. · the question and its options parsed, with trees and pragmatics

Test 8 · wrong ✗

Your sister writes down her pocket money spending for a month and is shocked how much went on sweets. What is she doing?

  • 1. Earning interest on her sweets — no support
  • 2. The same as a budgeting app does for grown-ups — ✓ the right answer · score 7
  • 3. Opening a credit card account — ← Mova's choice · score 8
  • 4. Making the shop lower its prices — no support

Why: It took the question to ask what is done. It chose option 3 with score 8, against 7 for the next best. Its support: lesson 7, line 4: «Example: in a café in Toronto, Mum taps her phone on the reader and the coffee is paid in a second. That night she opens her banking app and groans: "The app s…», reached through the same lesson line as the sentence the question matched. What matched: it fills the role the question asks for (+4); the same action «open» (+3); a different doer (counts against) (+1). The right option, 2, scored 7. · the question and its options parsed, with trees and pragmatics

Test 9 · wrong ✗

Dad: "Need cash for the window cleaner, I'll get cashback at Tesco." What will he do?

  • 1. Ask the shop to pay the window cleaner — ← Mova's choice · score 8
  • 2. Borrow money from the cashier — no support
  • 3. Take his own cash out while paying for shopping — ✓ the right answer · score 8
  • 4. Get a free twenty pounds from the shop — no support

Why: It took the question to ask what is done. It chose option 1 with score 8, tied with another option at 8 (the first shown, or the one claiming less beyond what it knows, wins). Its support: lesson 5, line 11: «Benefits are money the government pays to people who need help, such as those out of work, ill, caring for someone or on low pay; Universal Credit is the main…», reached through the remembered sentence the question matched. What matched: it fills the role the question asks for (+6); the same action «need» (+4). Against it: a different thing acted on (counts against) (-2). The right option, 3, scored 8. · the question and its options parsed, with trees and pragmatics

Test 10 · wrong ✗

Nan says "Keep your money under the mattress, banks are useless." What is a good reply?

  • 1. A bank keeps it safer and may pay interest — ✓ the right answer · score 6
  • 2. Money under a mattress earns more interest than a bank — score 2
  • 3. Banks spend children's savings on their own staff — score 3
  • 4. Banks always charge you for keeping savings safe — ← Mova's choice · score 7

Why: It took the question to ask which statement is true. It chose option 4 with score 7, against 6 for the next best. Its support: lesson 7, line 16: «Banks offer children's accounts to keep savings safe and teach how banks work.», reached through the option's own match among the sentences about the question's things. What matched: the same action «keep» (+2); the same doer «banks» (+2); the same thing acted on «savings» (+2); the same property (+1). The right option, 1, scored 6. · the question and its options parsed, with trees and pragmatics

Test 11 · right ✓

Your cousin rang the bank and says "they said they'd never ask for my PIN, so the caller was lying?" Is he right?

  • 1. Yes, banks never ask for a PIN on the phone — ← Mova's choice · ✓ the right answer · score 12
  • 2. No, banks only ask on Sundays — score 2
  • 3. Yes, but the caller could still be trusted — no support
  • 4. No, banks ask for it every month — score 2

Why: It took the question to ask which statement is true. It chose option 1 with score 12, against 2 for the next best. Its support: lesson 7, line 7: «A PIN is a secret four-digit number that proves a card is yours, and banks never ask for it on the phone.», reached through the remembered sentence the question matched. What matched: the same action «ask» (+4); the same doer «banks» (+4); the same place «phone» (+4). · the question and its options parsed, with trees and pragmatics

Exam question 1 · formal language · right ✓

Which of the following most accurately characterises the distinction between a debit card and a credit card?

  • 1. The former draws upon existing funds; the latter constitutes borrowing — ← Mova's choice · ✓ the right answer · no support
  • 2. The former constitutes borrowing; the latter draws upon existing funds — no support
  • 3. The former is valid solely for purchases made online — no support
  • 4. The two instruments are functionally identical in every respect — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Exam question 2 · formal language · wrong ✗

It is given that a sum of one hundred pounds is deposited at interest of three pounds per hundred per annum. Ascertain the balance at the conclusion of one year, no withdrawals having been made.

  • 1. One hundred pounds — ← Mova's choice · no support
  • 2. Three hundred pounds — no support
  • 3. One hundred and three pounds — ✓ the right answer · no support
  • 4. Ninety-seven pounds — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Exam question 3 · formal language · wrong ✗

Identify the conduct appropriate where a caller purporting to represent a bank requests disclosure of a personal identification number.

  • 1. Partial disclosure of the first two digits is permitted — ← Mova's choice · no support
  • 2. Disclosure is permitted provided the caller correctly states the account name — no support
  • 3. Disclosure must be refused, as banks never request it — ✓ the right answer · no support
  • 4. Disclosure is required to prevent account closure — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Exam question 4 · formal language · right ✓

Select the statement consistent with the established facts concerning a recurring subscription.

  • 1. It is settled exclusively in cash at the point of sale — no support
  • 2. Payments cease automatically after a single month has elapsed — no support
  • 3. The provider is obliged to refund all payments — no support
  • 4. Payments continue until the subscription is cancelled — ← Mova's choice · ✓ the right answer · score 8

Why: It took the question to ask which statement is true. It chose option 4 with score 8, the only option with support. Its support: lesson 7, line 14: «A subscription keeps taking money every month until it is cancelled, and free trials often turn into payments.», reached through the remembered sentence the question matched. What matched: the same action «cancel» (+4); the same thing acted on «subscription» (+4). · the question and its options parsed, with trees and pragmatics

This page in Markdown → https://md.mova.elamur.ai/free/en/school-run/adult-life/7-cards-banks-and-apps/