---
title: Two loans for the same car: one adds £5 a year for every £100 borrow… — Borrowing and debt · tree and pragmatics
description: Two loans for the same car: one adds £5 a year for every £100 borrowed, the other £15. Which costs less in total? Test 8 · ★★ 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 each option; Mova's choice 
---

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# Test 8 · ★★ · Borrowing and debt

<!-- .ven lang=en -->
Two loans for the same car: one adds £5 a year for every £100 borrowed, the other £15. Which costs less in total?

<!-- .vintro -->
**Mova's choice:** option 3 · **The right answer:** option 2 · wrong ✗ · **Who acts:** one · **What happens:** add, borrow, cost · **To what, where:** less, total

<!-- .vabout -->
This is test 8 · ★★ of lesson 8 «Borrowing and debt» 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/8-borrowing-and-debt/#t8).

## The question {#question}

<!-- .note -->
*Sentence 1:* Two loans for the same car: one adds £5 a year for every £100 borrowed, the other £15.

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:t8:1
# text = Two loans for the same car: one adds £5 a year for every £100 borrowed, the other £15.
1	Two	two	NUM	CD	NumForm=Word|NumType=Card	2	nummod	_	_
2	loans	loan	NOUN	NNS	Number=Plur	0	root	_	_
3	for	for	ADP	IN	_	6	case	_	_
4	the	the	DET	DT	Definite=Def|PronType=Art	6	det	_	_
5	same	same	ADJ	JJ	Degree=Pos	6	amod	_	_
6	car	car	NOUN	NN	Number=Sing	2	nmod	_	SpaceAfter=No
7	:	:	PUNCT	:	_	9	punct	_	_
8	one	one	NUM	CD	NumForm=Word|NumType=Card	9	nsubj	_	_
9	adds	add	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	2	conj	_	_
10	£	£	SYM	$	_	9	obj	_	SpaceAfter=No
11	5	5	NUM	CD	NumForm=Digit|NumType=Card	10	nummod	_	_
12	a	a	DET	DT	Definite=Ind|PronType=Art	13	det	_	_
13	year	year	NOUN	NN	Number=Sing	9	obl:unmarked	_	_
14	for	for	ADP	IN	_	16	case	_	_
15	every	every	DET	DT	PronType=Tot	16	det	_	_
16	£	£	SYM	$	_	9	obl	_	SpaceAfter=No
17	100	100	NUM	CD	NumForm=Digit|NumType=Card	16	nummod	_	_
18	borrowed	borrow	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	16	acl	_	SpaceAfter=No
19	,	,	PUNCT	,	_	22	punct	_	_
20	the	the	DET	DT	Definite=Def|PronType=Art	21	det	_	_
21	other	other	ADJ	JJ	Degree=Pos	22	amod	_	_
22	£	£	SYM	$	_	9	obl	_	SpaceAfter=No
23	15	15	NUM	CD	NumForm=Digit|NumType=Card	22	nummod	_	SpaceAfter=No
24	.	.	PUNCT	.	_	2	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **add** *speech: assert* | present | one |  |  |  | year |  | vn mix-22.1-2 «NP V NP»: agent=Agent £=Patient |
| 2 | **borrow** | participle |  |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: 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:* Which costs less in total?

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:t8:2
# text = Which costs less in total?
1	Which	which	PRON	WDT	PronType=Rel	2	nsubj	_	_
2	costs	cost	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	less	less	ADJ	JJR	Degree=Cmp	2	obj	_	_
4	in	in	ADP	IN	_	5	case	_	_
5	total	total	ADJ	JJ	Degree=Pos	3	nmod	_	SpaceAfter=No
6	?	?	PUNCT	.	_	2	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **cost** | present |  | less |  | total |  |  | vn cost-54.2 «NP V NP.value»: agent=Theme less=Value |

## The options {#options}

### Option 1 {#o1}

<!-- .ven lang=en -->
The one that adds more is always cheaper

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:t8:o1:1
# text = The one that adds more is always cheaper
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	one	one	NOUN	NN	Number=Sing	8	nsubj	_	_
3	that	that	PRON	WDT	PronType=Rel	4	nsubj	_	_
4	adds	add	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	2	acl:relcl	_	_
5	more	more	ADJ	JJR	Degree=Cmp	4	obj	_	_
6	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	8	cop	_	_
7	always	always	ADV	RB	PronType=Tot	8	advmod	_	_
8	cheaper	cheap	ADJ	JJR	Degree=Cmp	0	root	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **add** *speech: assert* | present | the one | more |  |  |  |  | vn mix-22.1-2 «NP V NP»: agent=Agent more=Patient |
| 2 | **is** | present | the one |  |  |  |  | always, cheap *property* | tree rules |

### Option 2 · ✓ the right answer {#o2}

<!-- .ven lang=en -->
The one that adds £5

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:t8:o2:1
# text = The one that adds £5
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	one	one	NOUN	NN	Number=Sing	0	root	_	_
3	that	that	PRON	WDT	PronType=Rel	4	nsubj	_	_
4	adds	add	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	2	acl:relcl	_	_
5	£	£	SYM	$	_	4	obj	_	SpaceAfter=No
6	5	5	NUM	CD	NumForm=Digit|NumType=Card	5	nummod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **add** *speech: assert* | present | the one |  |  |  |  |  | vn mix-22.1-2 «NP V NP»: agent=Agent £=Patient |

### Option 3 · ← Mova's choice {#o3}

<!-- .ven lang=en -->
They cost exactly the same

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:t8:o3:1
# text = They cost exactly the same
1	They	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	2	nsubj	_	_
2	cost	cost	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	exactly	exactly	ADV	RB	_	5	advmod	_	_
4	the	the	DET	DT	Definite=Def|PronType=Art	5	det	_	_
5	same	same	ADJ	JJ	Degree=Pos	2	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **cost** | present | They | the same |  |  |  |  | vn cost-54.2 «NP V NP.value»: agent=Theme same=Value |

### Option 4 {#o4}

<!-- .ven lang=en -->
The one that adds £15

```conllu
# sent_id = question:adult-life:8-borrowing-and-debt:t8:o4:1
# text = The one that adds £15
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	one	one	NOUN	NN	Number=Sing	0	root	_	_
3	that	that	PRON	WDT	PronType=Rel	4	nsubj	_	_
4	adds	add	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	2	acl:relcl	_	_
5	£	£	SYM	$	_	4	obj	_	SpaceAfter=No
6	15	15	NUM	CD	NumForm=Digit|NumType=Card	5	nummod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **add** *speech: assert* | present | the one |  |  |  |  |  | vn mix-22.1-2 «NP V NP»: agent=Agent £=Patient |

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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 7](https://md.mova.elamur.ai/free/en/corpora/questions/adult-life/8-borrowing-and-debt/t7/)
- next →: [Borrowing and debt, test 9](https://md.mova.elamur.ai/free/en/corpora/questions/adult-life/8-borrowing-and-debt/t9/)
- ↑ back to [Borrowing and debt](https://md.mova.elamur.ai/free/en/corpora/questions/adult-life/8-borrowing-and-debt/)