---
title: Which of the following most accurately characterises the consequence… — Borrowing and debt · tree and pragmatics
description: Which of the following most accurately characterises the consequence of remitting only the minimum payment upon a credit card balance? Exam question 1 of lesson 8 «Borrowing and debt» of the adult life course of Mova's primary school, with the dependency tree and pragmatics of the question and of ea
---

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# Exam question 1 · Borrowing and debt

<!-- .ven lang=en -->
Which of the following most accurately characterises the consequence of remitting only the minimum payment upon a credit card balance?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 4 · wrong ✗ · **Who acts:** consequence · **What happens:** follow, characteris, remit · **To what, where:** consequence, minimum payment

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This is exam question 1 of lesson 8 «Borrowing and debt» of the adult life course of Mova's primary school, asked in stiff, formal language. 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/8-borrowing-and-debt/#e1).

## The question {#question}

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:e1:1
# text = Which of the following most accurately characterises the consequence of remitting only the minimum payment upon a credit card balance?
1	Which	which	PRON	WDT	PronType=Rel	4	nsubj	_	_
2	of	of	ADP	IN	_	4	case	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
4	following	follow	VERB	VBG	Tense=Pres|VerbForm=Part	0	root	_	_
5	most	most	ADV	RBS	Degree=Sup	6	advmod	_	_
6	accurately	accurately	ADV	RB	_	7	advmod	_	_
7	characterises	characteris	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	advcl	_	_
8	the	the	DET	DT	Definite=Def|PronType=Art	9	det	_	_
9	consequence	consequence	NOUN	NN	Number=Sing	7	obj	_	_
10	of	of	SCONJ	IN	_	11	mark	_	_
11	remitting	remit	VERB	VBG	VerbForm=Ger	9	acl	_	_
12	only	only	ADV	RB	_	15	advmod	_	_
13	the	the	DET	DT	Definite=Def|PronType=Art	15	det	_	_
14	minimum	minimum	ADJ	JJ	Degree=Pos	15	amod	_	_
15	payment	payment	NOUN	NN	Number=Sing	11	obj	_	_
16	upon	upon	ADP	IN	_	20	case	_	_
17	a	a	DET	DT	Definite=Ind|PronType=Art	20	det	_	_
18	credit	credit	NOUN	NN	Number=Sing	19	compound	_	_
19	card	card	NOUN	NN	Number=Sing	20	compound	_	_
20	balance	balance	NOUN	NN	Number=Sing	15	nmod	_	SpaceAfter=No
21	?	?	PUNCT	.	_	4	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **follow** | gerund |  |  |  |  |  |  | vn occur-48.3-1 «NP V»: agent=Theme |
| 2 | **characteris** | present |  | the consequence |  |  |  | accurately *property* | tree rules |
| 3 | **remit** | gerund | the consequence *not said here* | the minimum payment |  |  |  | upon a card balance | vn contribute-13.2 «NP V NP.theme (PP)»: agent=Agent payment=Theme |

<!-- .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.

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
The lender is obliged to waive the remainder

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:e1:o1:1
# text = The lender is obliged to waive the remainder
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	lender	lender	NOUN	NN	Number=Sing	4	nsubj:pass	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	aux:pass	_	_
4	obliged	oblige	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
5	to	to	PART	TO	_	6	mark	_	_
6	waive	waive	VERB	VB	VerbForm=Inf	4	xcomp	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	remainder	remainder	NOUN	NN	Number=Sing	6	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **oblige** | present · passive |  | the lender |  |  |  |  | vn compel-59.1-1 «NP V NP S\_INF»: subject=Patient clause=Result |
| 2 | **waive** | to-infinitive |  | the remainder |  |  |  |  | tree rules |

### Option 2 {#o2}

<!-- .ven lang=en -->
No interest whatsoever accrues upon the balance

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:e1:o2:1
# text = No interest whatsoever accrues upon the balance
1	No	no	DET	DT	PronType=Neg	2	det	_	_
2	interest	interest	NOUN	NN	Number=Sing	4	nsubj	_	_
3	whatsoever	whatsoever	ADV	RB	_	4	advmod	_	_
4	accrues	accrue	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
5	upon	upon	ADP	IN	_	7	case	_	_
6	the	the	DET	DT	Definite=Def|PronType=Art	7	det	_	_
7	balance	balance	NOUN	NN	Number=Sing	4	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **accrue** | present | no interest |  |  |  |  | upon the balance; whatsoever *property* | vn obtain-13.5.2 «NP V NP»: agent=Agent |

### Option 3 {#o3}

<!-- .ven lang=en -->
The balance is extinguished within a single month of the first payment

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:e1:o3:1
# text = The balance is extinguished within a single month of the first payment
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	balance	balance	NOUN	NN	Number=Sing	4	nsubj:pass	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	aux:pass	_	_
4	extinguished	extinguish	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
5	within	within	ADP	IN	_	8	case	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	8	det	_	_
7	single	single	ADJ	JJ	Degree=Pos	8	amod	_	_
8	month	month	NOUN	NN	Number=Sing	4	obl	_	_
9	of	of	ADP	IN	_	12	case	_	_
10	the	the	DET	DT	Definite=Def|PronType=Art	12	det	_	_
11	first	first	ADJ	JJ	Degree=Pos|NumForm=Word|NumType=Ord	12	amod	_	_
12	payment	payment	NOUN	NN	Number=Sing	8	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **extinguish** | present · passive |  | the balance |  |  | month |  | vn remedy-45.7-1 «NP V NP.patient»: subject=Patient |

### Option 4 · ✓ the right answer {#o4}

<!-- .ven lang=en -->
The debt lasts a long time, as little more than the interest is discharged

<!-- fold The tree, 14 words -->
```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:e1:o4:1
# text = The debt lasts a long time, as little more than the interest is discharged
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	debt	debt	NOUN	NN	Number=Sing	3	nsubj	_	_
3	lasts	last	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	6	det	_	_
5	long	long	ADJ	JJ	Degree=Pos	6	amod	_	_
6	time	time	NOUN	NN	Number=Sing	3	obj	_	SpaceAfter=No
7	,	,	PUNCT	,	_	10	punct	_	_
8	as	as	SCONJ	IN	_	10	mark	_	_
9	little	little	ADJ	JJ	Degree=Pos	10	obl:unmarked	_	_
10	more	more	ADJ	JJR	Degree=Cmp	3	conj	_	_
11	than	than	SCONJ	IN	_	15	mark	_	_
12	the	the	DET	DT	Definite=Def|PronType=Art	13	det	_	_
13	interest	interest	NOUN	NN	Number=Sing	15	nsubj:pass	_	_
14	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	15	aux:pass	_	_
15	discharged	discharge	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	10	advcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **last** | present | the debt |  |  |  | time |  | vn cost-54.2 «NP V NP.value»: agent=Theme |
| 2 | **discharge** | present · passive |  | the interest |  |  |  |  | vn banish-10.2 «NP V NP»: subject=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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- ← previous: [Borrowing and debt, test 12](https://md.mova.elamur.ai/free/en/corpora/questions/adult-life/8-borrowing-and-debt/t12/)
- next →: [Borrowing and debt, exam 2](https://md.mova.elamur.ai/free/en/corpora/questions/adult-life/8-borrowing-and-debt/e2/)
- ↑ back to [Borrowing and debt](https://md.mova.elamur.ai/free/en/corpora/questions/adult-life/8-borrowing-and-debt/)