---
title: A bank calls a family "subprime borrowers". What does the bank think… — Soft words for hard things: money and… · tree and pragmatics
description: A bank calls a family "subprime borrowers". What does the bank think of them? Test 11 · ★★ of lesson 20 «Soft words for hard things: money and poverty and work, firing and the economy» of the euphemisms course of Mova's primary school, with the dependency tree and pragmatics of the question and of e
---

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# Test 11 · ★★ · Soft words for hard things: money and poverty and work, fi…

<!-- .ven lang=en -->
A bank calls a family "subprime borrowers". What does the bank think of them?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 4 · wrong ✗ · **Who acts:** bank · **What happens:** call, think · **To what, where:** family · **Speech:** someone speaks here

<!-- .vabout -->
This is test 11 · ★★ of lesson 20 «Soft words for hard things: money and poverty and work, firing and the economy» of the euphemisms 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/euphemisms/20-debt-and-jobs/#t11).

## The question {#question}

<!-- .note -->
*Sentence 1:* A bank calls a family "subprime borrowers".

```conllu
# sent_id = question:euphemisms:20-debt-and-jobs:t11:1
# text = A bank calls a family "subprime borrowers".
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	3	nsubj	_	_
3	calls	call	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
5	family	family	NOUN	NN	Number=Sing	3	obj	_	_
6	"	"	PUNCT	``	_	8	punct	_	SpaceAfter=No
7	subprime	subprime	NOUN	NN	Number=Sing	8	compound	_	_
8	borrowers	borrower	NOUN	NNS	Number=Plur	5	appos	_	SpaceAfter=No
9	"	"	PUNCT	''	_	8	punct	_	SpaceAfter=No
10	.	.	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **call** | present | a bank | a family |  |  |  |  | vn initiate\_communication-37.4.2-1 «NP V NP.recipient»: agent=Agent family=Recipient |

<!-- .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 does the bank think of them?

```conllu
# sent_id = question:euphemisms:20-debt-and-jobs:t11:2
# text = What does the bank think of them?
1	What	what	PRON	WP	PronType=Int	5	obj	_	_
2	does	do	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	5	aux	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
4	bank	bank	NOUN	NN	Number=Sing	5	nsubj	_	_
5	think	think	VERB	VB	VerbForm=Inf	0	root	_	_
6	of	of	ADP	IN	_	7	case	_	_
7	them	they	PRON	PRP	Case=Acc|Number=Plur|Person=3|PronType=Prs	5	obl	_	SpaceAfter=No
8	?	?	PUNCT	.	_	5	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **think** *speech: other* | present · do-support | the bank |  |  |  |  | of borrowers *= borrower* | vn wish-62 «NP V NP»: agent=Pivot what=Theme |

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
They borrow only small sums

```conllu
# sent_id = question:euphemisms:20-debt-and-jobs:t11:o1:1
# text = They borrow only small sums
1	They	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	2	nsubj	_	_
2	borrow	borrow	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	only	only	ADV	RB	_	5	advmod	_	_
4	small	small	ADJ	JJ	Degree=Pos	5	amod	_	_
5	sums	sum	NOUN	NNS	Number=Plur	2	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **borrow** | present | They | small sums |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent sum=Theme |

### Option 2 {#o2}

<!-- .ven lang=en -->
They work for the bank

```conllu
# sent_id = question:euphemisms:20-debt-and-jobs:t11:o2:1
# text = They work for the bank
1	They	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	2	nsubj	_	_
2	work	work	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	for	for	ADP	IN	_	5	case	_	_
4	the	the	DET	DT	Definite=Def|PronType=Art	5	det	_	_
5	bank	bank	NOUN	NN	Number=Sing	2	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **work** | present | They |  |  |  |  | for the bank | vn employment-95.3 «NP V PP.beneficiary»: agent=Agent for bank=Beneficiary |

### Option 3 {#o3}

<!-- .ven lang=en -->
They are its best customers

```conllu
# sent_id = question:euphemisms:20-debt-and-jobs:t11:o3:1
# text = They are its best customers
1	They	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	5	nsubj	_	_
2	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	5	cop	_	_
3	its	its	PRON	PRP$	Case=Gen|Gender=Neut|Number=Sing|Person=3|Poss=Yes|PronType=Prs	5	nmod:poss	_	_
4	best	good	ADJ	JJS	Degree=Sup	5	amod	_	_
5	customers	customer	NOUN	NNS	Number=Plur	0	root	_	_
```

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

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

<!-- .ven lang=en -->
They have a bad credit history

```conllu
# sent_id = question:euphemisms:20-debt-and-jobs:t11:o4:1
# text = They have a bad credit history
1	They	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	2	nsubj	_	_
2	have	have	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	6	det	_	_
4	bad	bad	ADJ	JJ	Degree=Pos	6	amod	_	_
5	credit	credit	NOUN	NN	Number=Sing	6	compound	_	_
6	history	history	NOUN	NN	Number=Sing	2	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **have** | present | They | a bad credit history |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent history=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: [Soft words for hard things: money and…, test 10](https://md.mova.elamur.ai/free/en/corpora/questions/euphemisms/20-debt-and-jobs/t10/)
- next →: [Soft words for hard things: money and…, test 12](https://md.mova.elamur.ai/free/en/corpora/questions/euphemisms/20-debt-and-jobs/t12/)
- ↑ back to [Soft words for hard things: money and poverty and work, firing and the economy](https://md.mova.elamur.ai/free/en/corpora/questions/euphemisms/20-debt-and-jobs/)

