---
title: An advert flashes, "Buy now, pay later! No stress!" What would happe… — Debt, loans, credit cards and interest · tree and pragmatics
description: An advert flashes, "Buy now, pay later! No stress!" What would happen if you missed two of the monthly payments? Test 2 · ★ 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 option; 
---

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# Test 2 · ★ · Debt, loans, credit cards and interest

<!-- .ven lang=en -->
An advert flashes, "Buy now, pay later! No stress!" What would happen if you missed two of the monthly payments?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 1 · right ✓ · **Who acts:** advert, you · **What happens:** flash, buy, pay, happen, miss · **To what, where:** two

<!-- .vabout -->
This is test 2 · ★ of lesson 24 «Debt, loans, credit cards and interest» of the money 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/money/24-debt-loans-credit-cards-and-interest/#t2).

## The question {#question}

<!-- .note -->
*Sentence 1:* An advert flashes, "Buy now, pay later!

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:1
# text = An advert flashes, "Buy now, pay later!
1	An	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	advert	advert	NOUN	NN	Number=Sing	3	nsubj	_	_
3	flashes	flash	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
4	,	,	PUNCT	,	_	6	punct	_	_
5	"	"	PUNCT	``	_	6	punct	_	SpaceAfter=No
6	Buy	buy	VERB	VB	VerbForm=Inf	3	xcomp	_	_
7	now	now	ADV	RB	PronType=Dem	6	advmod	_	SpaceAfter=No
8	,	,	PUNCT	,	_	9	punct	_	_
9	pay	pay	VERB	VB	VerbForm=Inf	6	conj	_	_
10	later	late	ADV	RBR	Degree=Cmp	9	advmod	_	SpaceAfter=No
11	!	!	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **flash** | present | a advert |  |  |  |  |  | tree rules |
| 2 | **buy** *in a quote* | infinitive | a advert *not said here* |  |  |  | now |  | vn accept-77.1 «NP V how S»: agent=Agent |
| 3 | **pay** *in a quote* | infinitive | a advert *not said here* |  |  |  |  | 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.

<!-- .note -->
*Sentence 2:* No stress!"

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:2
# text = No stress!"
1	No	no	DET	DT	PronType=Neg	2	det	_	_
2	stress	stress	NOUN	NN	Number=Sing	0	root	_	SpaceAfter=No
3	!	!	PUNCT	.	_	2	punct	_	SpaceAfter=No
4	"	"	PUNCT	''	_	2	punct	_	_
```

<!-- .note -->
The frames reader finds no event or fact in this sentence.

<!-- .note -->
*Sentence 3:* What would happen if you missed two of the monthly payments?

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:3
# text = What would happen if you missed two of the monthly payments?
1	What	what	PRON	WP	PronType=Int	3	nsubj	_	_
2	would	would	AUX	MD	VerbForm=Fin	3	aux	_	_
3	happen	happen	VERB	VB	VerbForm=Inf	0	root	_	_
4	if	if	SCONJ	IN	_	6	mark	_	_
5	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	6	nsubj	_	_
6	missed	miss	VERB	VBD	Mood=Ind|Number=Sing|Person=2|Tense=Past|VerbForm=Fin	3	advcl	_	_
7	two	two	NUM	CD	NumForm=Word|NumType=Card	6	obj	_	_
8	of	of	ADP	IN	_	11	case	_	_
9	the	the	DET	DT	Definite=Def|PronType=Art	11	det	_	_
10	monthly	monthly	ADJ	JJ	Degree=Pos	11	amod	_	_
11	payments	payment	NOUN	NNS	Number=Plur	7	nmod	_	SpaceAfter=No
12	?	?	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **happen** | would |  |  |  |  |  |  | vn occur-48.3-1 «NP V»: agent=Theme |
| 2 | **miss** *a condition, not said to happen* | past | you | two of the monthly payments |  |  |  |  | vn admire-31.2 «NP V NP»: agent=Experiencer two=Stimulus |

## The options {#options}

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

<!-- .ven lang=en -->
You'd still owe the money and might pay fees on top

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:o1:1
# text = You'd still owe the money and might pay fees on top
1	You	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	4	nsubj	_	SpaceAfter=No
2	'd	would	AUX	MD	VerbForm=Fin	4	aux	_	_
3	still	still	ADV	RB	_	4	advmod	_	_
4	owe	owe	VERB	VB	VerbForm=Inf	0	root	_	_
5	the	the	DET	DT	Definite=Def|PronType=Art	6	det	_	_
6	money	money	NOUN	NN	Number=Sing	4	obj	_	_
7	and	and	CCONJ	CC	_	9	cc	_	_
8	might	might	AUX	MD	VerbForm=Fin	9	aux	_	_
9	pay	pay	VERB	VB	VerbForm=Inf	4	conj	_	_
10	fees	fee	NOUN	NNS	Number=Plur	9	obj	_	_
11	on	on	ADP	IN	_	12	case	_	_
12	top	top	NOUN	NN	Number=Sing	9	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **owe** | would | You | the money |  |  | still |  | vn future\_having-13.3 «NP V NP.theme (PP)»: agent=Agent money=Theme |
| 2 | **pay** | might | You *not said here* | fees |  | top |  |  | vn pay-68-1 «NP V NP»: agent=Agent fee=Asset |

### Option 2 {#o2}

<!-- .ven lang=en -->
Nothing, missed payments are always forgiven

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:o2:1
# text = Nothing, missed payments are always forgiven
1	Nothing	nothing	PRON	NN	Number=Sing|PronType=Neg	3	compound	_	SpaceAfter=No
2	,	,	PUNCT	,	_	1	punct	_	_
3	missed	miss	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	4	amod	_	_
4	payments	payment	NOUN	NNS	Number=Plur	7	nsubj:pass	_	_
5	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	7	aux:pass	_	_
6	always	always	ADV	RB	PronType=Tot	7	advmod	_	_
7	forgiven	forgive	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **miss** | participle |  |  |  |  |  |  | vn admire-31.2 «NP V that S»: agent=Experiencer |
| 2 | **forgive** | present · passive |  | missed payments |  |  |  | always *property* | vn judgment-33.1-1 «NP V NP»: subject=Theme |

### Option 3 {#o3}

<!-- .ven lang=en -->
The shop would cancel the debt and simply forget all about it

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:o3:1
# text = The shop would cancel the debt and simply forget all about it
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	shop	shop	NOUN	NN	Number=Sing	4	nsubj	_	_
3	would	would	AUX	MD	VerbForm=Fin	4	aux	_	_
4	cancel	cancel	VERB	VB	VerbForm=Inf	0	root	_	_
5	the	the	DET	DT	Definite=Def|PronType=Art	6	det	_	_
6	debt	debt	NOUN	NN	Number=Sing	4	obj	_	_
7	and	and	CCONJ	CC	_	9	cc	_	_
8	simply	simply	ADV	RB	_	9	advmod	_	_
9	forget	forget	VERB	VBP	Mood=Ind|Tense=Pres|VerbForm=Fin	4	conj	_	_
10	all	all	ADV	RB	_	9	advmod	_	_
11	about	about	ADP	IN	_	12	case	_	_
12	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	9	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **cancel** | would | the shop | the debt |  |  |  |  | tree rules |
| 2 | **forget** | present | the shop *not said here* |  |  |  |  | about shop; all, simply *property* | tree rules |

### Option 4 {#o4}

<!-- .ven lang=en -->
The telly would become free after two months

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t2:o4:1
# text = The telly would become free after two months
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	telly	telly	NOUN	NN	Number=Sing	4	nsubj	_	_
3	would	would	AUX	MD	VerbForm=Fin	4	aux	_	_
4	become	become	VERB	VB	VerbForm=Inf	0	root	_	_
5	free	free	ADJ	JJ	Degree=Pos	4	xcomp	_	_
6	after	after	ADP	IN	_	8	case	_	_
7	two	two	NUM	CD	NumForm=Word|NumType=Card	8	nummod	_	_
8	months	month	NOUN	NNS	Number=Plur	5	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **become** | would | the telly |  |  |  |  | free *property* | vn become-109.1-1-1 «NP V PP.attribute»: 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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