---
title: Select the response consistent with the established facts concerning… — Debt, loans, credit cards and interest · tree and pragmatics
description: Select the response consistent with the established facts concerning the arrangement known as "buy now, pay later". Exam question 4 of lesson 24 «Debt, loans, credit cards and interest» of the money course of Mova's primary school, with the dependency tree and pragmatics of the question and of each 
---

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# Exam question 4 · Debt, loans, credit cards and interest

<!-- .ven lang=en -->
Select the response consistent with the established facts concerning the arrangement known as "buy now, pay later".

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 1 · right ✓ · **Who acts:** you, established facts · **What happens:** select, establish, concern, know, buy, pay · **To what, where:** response, arrangement · **Speech:** someone speaks here

<!-- .vabout -->
This is exam question 4 of lesson 24 «Debt, loans, credit cards and interest» of the money 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/money/24-debt-loans-credit-cards-and-interest/#e4).

## The question {#question}

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:e4:1
# text = Select the response consistent with the established facts concerning the arrangement known as "buy now, pay later".
1	Select	select	VERB	VB	Mood=Imp|VerbForm=Fin	0	root	_	_
2	the	the	DET	DT	Definite=Def|PronType=Art	3	det	_	_
3	response	response	NOUN	NN	Number=Sing	1	obj	_	_
4	consistent	consistent	ADJ	JJ	Degree=Pos	3	amod	_	_
5	with	with	ADP	IN	_	8	case	_	_
6	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
7	established	establish	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	8	amod	_	_
8	facts	fact	NOUN	NNS	Number=Plur	4	obl	_	_
9	concerning	concern	VERB	VBG	VerbForm=Ger	8	acl	_	_
10	the	the	DET	DT	Definite=Def|PronType=Art	11	det	_	_
11	arrangement	arrangement	NOUN	NN	Number=Sing	9	obj	_	_
12	known	know	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	11	acl	_	_
13	as	as	SCONJ	IN	_	15	mark	_	_
14	"	"	PUNCT	``	_	15	punct	_	SpaceAfter=No
15	buy	buy	VERB	VB	VerbForm=Inf	12	xcomp	_	_
16	now	now	ADV	RB	PronType=Dem	15	advmod	_	SpaceAfter=No
17	,	,	PUNCT	,	_	18	punct	_	_
18	pay	pay	VERB	VB	Mood=Imp|VerbForm=Fin	1	parataxis	_	_
19	later	late	ADV	RBR	Degree=Cmp	18	advmod	_	SpaceAfter=No
20	"	"	PUNCT	''	_	18	punct	_	SpaceAfter=No
21	.	.	PUNCT	.	_	1	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **select** | imperative | you *not said here* | the response |  |  |  |  | vn characterize-29.2 «NP V NP to be ADJ»: agent=Agent response=Theme clause=Attribute |
| 2 | **establish** | participle |  |  |  |  |  |  | vn indicate-78-1-1 «NP V NP to be NP»: agent=Pivot |
| 3 | **concern** | gerund | the established facts *not said here* | the arrangement |  |  |  |  | vn amuse-31.1 «NP V NP»: agent=Stimulus arrangement=Experiencer |
| 4 | **know** | participle |  | the arrangement *not said here* |  |  |  |  | vn comprehend-87.2-1-1-1 «NP V that S»: agent=Experiencer clause=Stimulus |
| 5 | **buy** *in a quote* | infinitive |  |  |  |  | now |  | vn accept-77.1 «NP V how S»: agent=Agent |
| 6 | **pay** *in a quote* | infinitive |  |  |  |  |  | late *property* | vn pay-68-1 «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.

## The options {#options}

### Option 1 · ← Mova's choice · ✓ the right answer {#o1}

<!-- .ven lang=en -->
It constitutes a form of borrowing, and failure to pay instalments may incur fees

<!-- fold The tree, 14 words -->
```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:e4:o1:1
# text = It constitutes a form of borrowing, and failure to pay instalments may incur fees
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	constitutes	constitute	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
4	form	form	NOUN	NN	Number=Sing	2	obj	_	_
5	of	of	ADP	IN	_	6	case	_	_
6	borrowing	borrowing	NOUN	NN	Number=Sing	4	nmod	_	SpaceAfter=No
7	,	,	PUNCT	,	_	14	punct	_	_
8	and	and	CCONJ	CC	_	14	cc	_	_
9	failure	failure	NOUN	NN	Number=Sing	14	nsubj	_	_
10	to	to	PART	TO	_	11	mark	_	_
11	pay	pay	VERB	VB	VerbForm=Inf	9	acl	_	_
12	instalments	instalment	NOUN	NNS	Number=Plur	11	obj	_	_
13	may	may	AUX	MD	VerbForm=Fin	14	aux	_	_
14	incur	incur	VERB	VB	VerbForm=Inf	2	conj	_	_
15	fees	fee	NOUN	NNS	Number=Plur	14	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **constitute** | present | It | a form of borrowing |  |  |  |  | vn comprise-107.2-1 «NP V NP»: agent=Theme form=Pivot |
| 2 | **pay** | to-infinitive | failure *not said here* | instalments |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent instalment=Asset |
| 3 | **incur** | may | failure | fees |  |  |  |  | tree rules |
| 4 | **form** |  |  | borrowing |  |  |  |  | nom form «communication transitive»: of=patient |

### Option 2 {#o2}

<!-- .ven lang=en -->
It relieves the purchaser of any obligation to pay

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:e4:o2:1
# text = It relieves the purchaser of any obligation to pay
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	relieves	relieve	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
4	purchaser	purchaser	NOUN	NN	Number=Sing	2	obj	_	_
5	of	of	ADP	IN	_	7	case	_	_
6	any	any	DET	DT	PronType=Ind	7	det	_	_
7	obligation	obligation	NOUN	NN	Number=Sing	4	nmod	_	_
8	to	to	PART	TO	_	9	mark	_	_
9	pay	pay	VERB	VB	VerbForm=Inf	2	advcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **relieve** | present | It | the purchaser of any obligation |  |  |  |  | vn amuse-31.1 «NP V NP»: agent=Stimulus purchaser=Experiencer |
| 2 | **pay** | to-infinitive |  |  |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent |

### Option 3 {#o3}

<!-- .ven lang=en -->
It is available exclusively in respect of purchases of food

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:e4:o3:1
# text = It is available exclusively in respect of purchases of food
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	available	available	ADJ	JJ	Degree=Pos	0	root	_	_
4	exclusively	exclusively	ADV	RB	_	3	advmod	_	_
5	in	in	ADP	IN	_	6	case	_	_
6	respect	respect	NOUN	NN	Number=Sing	3	obl	_	_
7	of	of	ADP	IN	_	8	case	_	_
8	purchases	purchase	NOUN	NNS	Number=Plur	6	nmod	_	_
9	of	of	ADP	IN	_	10	case	_	_
10	food	food	NOUN	NN	Number=Sing	8	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | It |  |  | respect of purchases of food |  | available, exclusively *property* | tree rules |
| 2 | **respect** |  |  | purchases of food |  |  |  |  | nom respect «cognition transitive»: of=patient |
| 3 | **purchase** |  |  | food |  |  |  |  | nom purchase «act transitive»: of=patient |

### Option 4 {#o4}

<!-- .ven lang=en -->
It constitutes a gift, the cost of which is borne by the retailer

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:e4:o4:1
# text = It constitutes a gift, the cost of which is borne by the retailer
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	constitutes	constitute	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
4	gift	gift	NOUN	NN	Number=Sing	2	obj	_	SpaceAfter=No
5	,	,	PUNCT	,	_	7	punct	_	_
6	the	the	DET	DT	Definite=Def|PronType=Art	7	det	_	_
7	cost	cost	NOUN	NN	Number=Sing	4	appos	_	_
8	of	of	ADP	IN	_	9	case	_	_
9	which	which	PRON	WDT	PronType=Rel	11	obl	_	_
10	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	11	aux:pass	_	_
11	borne	bear	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	7	acl:relcl	_	_
12	by	by	ADP	IN	_	14	case	_	_
13	the	the	DET	DT	Definite=Def|PronType=Art	14	det	_	_
14	retailer	retailer	NOUN	NN	Number=Sing	11	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **constitute** | present | It | a gift |  |  |  |  | vn comprise-107.2-1 «NP V NP»: agent=Theme gift=Pivot |
| 2 | **bear** | present · passive | the retailer |  |  |  |  | of the cost | vn admire-31.2 «NP V that S»: agent=Experiencer |

<!-- div src -->

**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.

<!-- /div -->

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