---
title: Nan says "Insurance is a waste, I've never claimed once in 40 years.… — Paying for a home and the bills · tree and pragmatics
description: Nan says "Insurance is a waste, I've never claimed once in 40 years." What is the best reply? Test 5 · ★ of lesson 6 «Paying for a home and the bills» of the adult life course of Mova's primary school, with the dependency tree and pragmatics of the question and of each option; Mova's choice was wron
---

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# Test 5 · ★ · Paying for a home and the bills

<!-- .ven lang=en -->
Nan says "Insurance is a waste, I've never claimed once in 40 years." What is the best reply?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 3 · wrong ✗ · **Who acts:** Nan, Insurance, best reply · **What happens:** say, be, not claim · **To what, where:** waste · **Speech:** someone speaks here

<!-- .vabout -->
This is test 5 · ★ of lesson 6 «Paying for a home and the bills» of the adult life 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](https://md.mova.elamur.ai/free/en/school-run/adult-life/6-paying-for-a-home-and-the-bills/#t5).

## The question {#question}

<!-- .note -->
*Sentence 1:* Nan says "Insurance is a waste, I've never claimed once in 40 years."

```conllu
# sent_id = question:adult-life:6-paying-for-a-home-and-the-bills:t5:1
# text = Nan says "Insurance is a waste, I've never claimed once in 40 years."
1	Nan	Nan	PROPN	NNP	Number=Sing	2	nsubj	_	_
2	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	"	"	PUNCT	``	_	7	punct	_	SpaceAfter=No
4	Insurance	Insurance	PROPN	NNP	Number=Sing	7	nsubj	_	_
5	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	7	cop	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	waste	waste	NOUN	NN	Number=Sing	2	ccomp	_	SpaceAfter=No
8	,	,	PUNCT	,	_	12	punct	_	_
9	I	I	PRON	PRP	Case=Nom|Number=Sing|Person=1|PronType=Prs	12	nsubj	_	SpaceAfter=No
10	've	have	AUX	VBP	Mood=Ind|Number=Sing|Person=1|Tense=Pres|VerbForm=Fin	12	aux	_	_
11	never	never	ADV	RB	PronType=Neg	12	advmod	_	_
12	claimed	claim	VERB	VBN	Tense=Past|VerbForm=Part	2	conj	_	_
13	once	once	ADV	RB	NumForm=Word|NumType=Mult	12	advmod	_	_
14	in	in	ADP	IN	_	16	case	_	_
15	40	40	NUM	CD	NumForm=Digit|NumType=Card	16	nummod	_	_
16	years	year	NOUN	NNS	Number=Plur	12	obl	_	SpaceAfter=No
17	.	.	PUNCT	.	_	2	punct	_	SpaceAfter=No
18	"	"	PUNCT	''	_	2	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Nan |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |
| 2 | **is a** *in a quote* | present | Insurance | a waste |  |  |  |  | tree rules |
| 3 | **not** **claim** *speech: other* *in a quote* | present · perfect | Nan |  |  |  | year | once *property* | vn say-37.7-1-1 «NP V that S»: agent=Agent |

<!-- .note -->
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.

<!-- .note -->
*Sentence 2:* What is the best reply?

```conllu
# sent_id = question:adult-life:6-paying-for-a-home-and-the-bills:t5:2
# text = What is the best reply?
1	What	what	PRON	WP	PronType=Int	0	root	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	1	cop	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	5	det	_	_
4	best	good	ADJ	JJS	Degree=Sup	5	amod	_	_
5	reply	reply	NOUN	NN	Number=Sing	1	nsubj	_	SpaceAfter=No
6	?	?	PUNCT	.	_	1	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | the best reply |  |  |  |  |  | tree rules |

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
She will get all the money back with interest

```conllu
# sent_id = question:adult-life:6-paying-for-a-home-and-the-bills:t5:o1:1
# text = She will get all the money back with interest
1	She	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	_
2	will	will	AUX	MD	VerbForm=Fin	3	aux	_	_
3	get	get	VERB	VB	VerbForm=Inf	0	root	_	_
4	all	all	DET	PDT	PronType=Tot	6	det:predet	_	_
5	the	the	DET	DT	Definite=Def|PronType=Art	6	det	_	_
6	money	money	NOUN	NN	Number=Sing	3	obj	_	_
7	back	back	ADV	RB	_	3	advmod	_	_
8	with	with	ADP	IN	_	9	case	_	_
9	interest	interest	NOUN	NN	Number=Sing	3	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **get** | future | She | all money |  |  |  | with interest | vn comprehend-87.2-1 «NP V NP»: agent=Experiencer money=Stimulus |

### Option 2 {#o2}

<!-- .ven lang=en -->
Insurance pays out every year to everyone

```conllu
# sent_id = question:adult-life:6-paying-for-a-home-and-the-bills:t5:o2:1
# text = Insurance pays out every year to everyone
1	Insurance	insurance	NOUN	NN	Number=Sing	2	nsubj	_	_
2	pays	pay	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	out	out	ADP	RP	_	2	compound:prt	_	_
4	every	every	DET	DT	PronType=Tot	5	det	_	_
5	year	year	NOUN	NN	Number=Sing	2	obl:unmarked	_	_
6	to	to	ADP	IN	_	7	case	_	_
7	everyone	everyone	PRON	NN	Number=Sing|PronType=Tot	2	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay out** | present | Insurance |  |  |  | year | to everyone | vn pay-68-1 «NP V NP»: agent=Agent |

### Option 3 · ✓ the right answer {#o3}

<!-- .ven lang=en -->
It protects against a disaster that might have happened

```conllu
# sent_id = question:adult-life:6-paying-for-a-home-and-the-bills:t5:o3:1
# text = It protects against a disaster that might have happened
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	protects	protect	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	against	against	ADP	IN	_	5	case	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
5	disaster	disaster	NOUN	NN	Number=Sing	2	obl	_	_
6	that	that	PRON	WDT	PronType=Rel	9	nsubj	_	_
7	might	might	AUX	MD	VerbForm=Fin	9	aux	_	_
8	have	have	AUX	VB	VerbForm=Inf	9	aux	_	_
9	happened	happen	VERB	VBN	Tense=Past|VerbForm=Part	5	acl:relcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **protect** | present | It |  |  |  |  | against a disaster | vn defend-72.3 «NP V NP PP.theme»: agent=Agent against disaster=Theme |
| 2 | **happen** | might · perfect | a disaster |  |  |  |  |  | vn occur-48.3-1 «NP V»: agent=Theme |

### Option 4 {#o4}

<!-- .ven lang=en -->
She should claim anyway to get her money back

```conllu
# sent_id = question:adult-life:6-paying-for-a-home-and-the-bills:t5:o4:1
# text = She should claim anyway to get her money back
1	She	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	_
2	should	should	AUX	MD	VerbForm=Fin	3	aux	_	_
3	claim	claim	VERB	VB	VerbForm=Inf	0	root	_	_
4	anyway	anyway	ADV	RB	_	3	advmod	_	_
5	to	to	PART	TO	_	6	mark	_	_
6	get	get	VERB	VB	VerbForm=Inf	3	xcomp	_	_
7	her	her	PRON	PRP$	Case=Gen|Gender=Fem|Number=Sing|Person=3|Poss=Yes|PronType=Prs	8	nmod:poss	_	_
8	money	money	NOUN	NN	Number=Sing	6	obj	_	_
9	back	back	ADV	RB	_	6	advmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **claim** *speech: other* | should | She |  |  |  |  | anyway *property* | vn say-37.7-1-1 «NP V how S\_INF»: agent=Agent clause=Topic |
| 2 | **get back** | to-infinitive | She *not said here* | her money |  |  |  |  | vn comprehend-87.2-1 «NP V NP»: agent=Experiencer money=Stimulus |

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**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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