---
title: Nan says "Keep your money under the mattress, banks are useless." Wh… — Cards, banks and apps · tree and pragmatics
description: Nan says "Keep your money under the mattress, banks are useless." What is a good reply? Test 10 of lesson 7 «Cards, banks and apps» 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 wrong.
---

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# Test 10 · Cards, banks and apps

<!-- .ven lang=en -->
Nan says "Keep your money under the mattress, banks are useless." What is a good reply?

<!-- .vintro -->
**Mova's choice:** option 4 · **The right answer:** option 1 · wrong ✗ · **Who acts:** Nan, banks · **What happens:** say, keep, be · **To what, where:** money, mattress, good reply · **Speech:** someone speaks here

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This is test 10 of lesson 7 «Cards, banks and apps» 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/7-cards-banks-and-apps/#t10).

## The question {#question}

<!-- .note -->
*Sentence 1:* Nan says "Keep your money under the mattress, banks are useless."

```conllu
# sent_id = question:adult-life:7-cards-banks-and-apps:t10:1
# text = Nan says "Keep your money under the mattress, banks are useless."
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	``	_	4	punct	_	SpaceAfter=No
4	Keep	keep	VERB	VB	VerbForm=Inf	2	xcomp	_	_
5	your	your	PRON	PRP$	Case=Gen|Person=2|Poss=Yes|PronType=Prs	6	nmod:poss	_	_
6	money	money	NOUN	NN	Number=Sing	4	obj	_	_
7	under	under	ADP	IN	_	9	case	_	_
8	the	the	DET	DT	Definite=Def|PronType=Art	9	det	_	_
9	mattress	mattress	NOUN	NN	Number=Sing	4	obl	_	SpaceAfter=No
10	,	,	PUNCT	,	_	13	punct	_	_
11	banks	bank	NOUN	NNS	Number=Plur	13	nsubj	_	_
12	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	13	cop	_	_
13	useless	useless	ADJ	JJ	Degree=Pos	2	ccomp	_	SpaceAfter=No
14	.	.	PUNCT	.	_	13	punct	_	SpaceAfter=No
15	"	"	PUNCT	''	_	13	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 clause=Topic |
| 2 | **keep** *in a quote* | infinitive | Nan *not said here* | your money |  | the mattress |  |  | vn keep-15.2 «NP V NP PP.location»: agent=Agent money=Theme under mattress=Location |
| 3 | **is** *in a quote* | present | banks |  |  |  |  | useless *property* | tree rules |

<!-- .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 a good reply?

```conllu
# sent_id = question:adult-life:7-cards-banks-and-apps:t10:2
# text = What is a good reply?
1	What	what	PRON	WP	PronType=Int	5	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	5	cop	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
4	good	good	ADJ	JJ	Degree=Pos	5	amod	_	_
5	reply	reply	NOUN	NN	Number=Sing	0	root	_	SpaceAfter=No
6	?	?	PUNCT	.	_	5	punct	_	_
```

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

## The options {#options}

### Option 1 · ✓ the right answer {#o1}

<!-- .ven lang=en -->
A bank keeps it safer and may pay interest

```conllu
# sent_id = question:adult-life:7-cards-banks-and-apps:t10:o1:1
# text = A bank keeps it safer and may pay interest
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	3	nsubj	_	_
3	keeps	keep	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	3	obj	_	_
5	safer	safe	ADJ	JJR	Degree=Cmp	3	xcomp	_	_
6	and	and	CCONJ	CC	_	8	cc	_	_
7	may	may	AUX	MD	VerbForm=Fin	8	aux	_	_
8	pay	pay	VERB	VB	VerbForm=Inf	3	conj	_	_
9	interest	interest	NOUN	NN	Number=Sing	8	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **keep** | present | a bank | it |  |  |  | safe *property* | vn keep-15.2 «NP V NP»: agent=Agent it=Theme |
| 2 | **pay** | may | a bank *not said here* | interest |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent interest=Asset |

### Option 2 {#o2}

<!-- .ven lang=en -->
Money under a mattress earns more interest than a bank

```conllu
# sent_id = question:adult-life:7-cards-banks-and-apps:t10:o2:1
# text = Money under a mattress earns more interest than a bank
1	Money	money	NOUN	NN	Number=Sing	5	nsubj	_	_
2	under	under	ADP	IN	_	4	case	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
4	mattress	mattress	NOUN	NN	Number=Sing	1	nmod	_	_
5	earns	earn	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
6	more	more	ADJ	JJR	Degree=Cmp	7	amod	_	_
7	interest	interest	NOUN	NN	Number=Sing	5	obj	_	_
8	than	than	ADP	IN	_	10	case	_	_
9	a	a	DET	DT	Definite=Ind|PronType=Art	10	det	_	_
10	bank	bank	NOUN	NN	Number=Sing	7	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **earn** | present | Money under a mattress | more interest |  |  |  | than a bank | vn get-13.5.1-1 «NP V NP»: agent=Agent interest=Theme |

### Option 3 {#o3}

<!-- .ven lang=en -->
Banks spend children's savings on their own staff

```conllu
# sent_id = question:adult-life:7-cards-banks-and-apps:t10:o3:1
# text = Banks spend children's savings on their own staff
1	Banks	bank	NOUN	NNS	Number=Plur	2	nsubj	_	_
2	spend	spend	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	children	child	NOUN	NNS	Number=Plur	5	nmod:poss	_	SpaceAfter=No
4	's	's	PART	POS	_	3	case	_	_
5	savings	savings	NOUN	NNS	Number=Ptan	2	obj	_	_
6	on	on	ADP	IN	_	9	case	_	_
7	their	their	PRON	PRP$	Case=Gen|Number=Plur|Person=3|Poss=Yes|PronType=Prs	9	nmod:poss	_	_
8	own	own	ADJ	JJ	Degree=Pos	9	amod	_	_
9	staff	staff	NOUN	NN	Number=Sing	2	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **spend** | present | Banks | children's savings |  |  |  | on Banks's own staff *goal* | vn consume-66-1 «NP V NP S\_ING»: agent=Agent savings=Asset on staff=Goal |
| 2 | **save** |  | children |  |  |  |  |  | nom savings «possession transitive»: poss=agent |

### Option 4 · ← Mova's choice {#o4}

<!-- .ven lang=en -->
Banks always charge you for keeping savings safe

```conllu
# sent_id = question:adult-life:7-cards-banks-and-apps:t10:o4:1
# text = Banks always charge you for keeping savings safe
1	Banks	bank	NOUN	NNS	Number=Plur	3	nsubj	_	_
2	always	always	ADV	RB	PronType=Tot	3	advmod	_	_
3	charge	charge	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	you	you	PRON	PRP	Case=Acc|Person=2|PronType=Prs	3	iobj	_	_
5	for	for	SCONJ	IN	_	6	mark	_	_
6	keeping	keep	VERB	VBG	Tense=Pres|VerbForm=Part	3	advcl	_	_
7	savings	savings	NOUN	NNS	Number=Ptan	6	obj	_	_
8	safe	safe	ADJ	JJ	Degree=Pos	6	xcomp	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **charge** | present | Banks |  | you |  |  | always *property* | vn run-51.3.2 «PP.location V NP»: agent=Initial\_Location you=Theme |
| 2 | **keep** | gerund | Banks *not said here* | savings |  |  |  | safe *property* | vn keep-15.2 «NP V NP»: agent=Agent savings=Theme |

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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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