---
title: Ben's cousin says, "That website loan was sus, I owe double now." ("… — Debt, loans, credit cards and interest · tree and pragmatics
description: Ben's cousin says, "That website loan was sus, I owe double now." ("Sus" means suspicious, dodgy.) What lesson is he learning? Test 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
---

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# Test 4 · ★ · Debt, loans, credit cards and interest

<!-- .ven lang=en -->
Ben's cousin says, "That website loan was sus, I owe double now." ("Sus" means suspicious, dodgy.) What lesson is he learning?

<!-- .vintro -->
**Mova's choice:** option 2 · **The right answer:** option 2 · right ✓ · **Who acts:** cousin, website loan, Sus, lesson · **What happens:** say, be, owe, mean, learn · **Speech:** someone speaks here

<!-- .vabout -->
This is test 4 · ★ 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/#t4).

## The question {#question}

<!-- .note -->
*Sentence 1:* Ben's cousin says, "That website loan was sus, I owe double now."

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:1
# text = Ben's cousin says, "That website loan was sus, I owe double now."
1	Ben	Ben	PROPN	NNP	Number=Sing	3	nmod:poss	_	SpaceAfter=No
2	's	's	PART	POS	_	1	case	_	_
3	cousin	cousin	NOUN	NN	Number=Sing	4	nsubj	_	_
4	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
5	,	,	PUNCT	,	_	11	punct	_	_
6	"	"	PUNCT	``	_	11	punct	_	SpaceAfter=No
7	That	that	DET	DT	Number=Sing|PronType=Dem	9	det	_	_
8	website	website	NOUN	NN	Number=Sing	9	compound	_	_
9	loan	loan	NOUN	NN	Number=Sing	11	nsubj	_	_
10	was	be	AUX	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	11	cop	_	_
11	sus	suspect	ADJ	JJ	Degree=Pos	4	ccomp	_	SpaceAfter=No
12	,	,	PUNCT	,	_	14	punct	_	_
13	I	I	PRON	PRP	Case=Nom|Number=Sing|Person=1|PronType=Prs	14	nsubj	_	_
14	owe	owe	VERB	VBP	Mood=Ind|Number=Sing|Person=1|Tense=Pres|VerbForm=Fin	11	advcl	_	_
15	double	double	ADV	RB	_	14	advmod	_	_
16	now	now	ADV	RB	PronType=Dem	14	advmod	_	SpaceAfter=No
17	.	.	PUNCT	.	_	11	punct	_	SpaceAfter=No
18	"	"	PUNCT	''	_	11	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Ben's cousin |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |
| 2 | **is** *in a quote* | past | that website loan |  |  |  |  | suspect *property* | tree rules |
| 3 | **owe** *in a quote* | present | Ben's cousin *= cousin* |  |  |  | now | double *property* | vn future\_having-13.3 «NP V NP.theme (PP)»: 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:* ("Sus" means suspicious, dodgy.)

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:2
# text = ("Sus" means suspicious, dodgy.)
1	(	(	PUNCT	-LRB-	_	5	punct	_	SpaceAfter=No
2	"	"	PUNCT	``	_	3	punct	_	SpaceAfter=No
3	Sus	sus	NOUN	NN	Number=Sing	5	nsubj	_	SpaceAfter=No
4	"	"	PUNCT	''	_	3	punct	_	_
5	means	mean	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
6	suspicious	suspicious	ADJ	JJ	Degree=Pos	5	xcomp	_	SpaceAfter=No
7	,	,	PUNCT	,	_	8	punct	_	_
8	dodgy	dodgy	ADJ	JJ	Degree=Pos	6	conj	_	SpaceAfter=No
9	.	.	PUNCT	.	_	5	punct	_	SpaceAfter=No
10	)	)	PUNCT	-RRB-	_	5	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **mean** | present | Sus |  |  |  |  | suspicious *property* | vn intend-61.2-1 «NP V S»: agent=Agent |

<!-- .note -->
*Sentence 3:* What lesson is he learning?

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:3
# text = What lesson is he learning?
1	What	what	PRON	WP	PronType=Int	5	obj	_	_
2	lesson	lesson	NOUN	NN	Number=Sing	5	nsubj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	5	aux	_	_
4	he	he	PRON	PRP	Case=Nom|Gender=Masc|Number=Sing|Person=3|PronType=Prs	5	nsubj	_	_
5	learning	learn	VERB	VBG	Tense=Pres|VerbForm=Part	0	root	_	SpaceAfter=No
6	?	?	PUNCT	.	_	5	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **learn** | present · progressive | lesson |  |  |  |  |  | vn learn-14-2-1 «NP V NP»: agent=Agent what=Topic |

## The options {#options}

### Option 1 {#o1}

<!-- .ven lang=en -->
Banks are worse than dodgy websites every time

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:o1:1
# text = Banks are worse than dodgy websites every time
1	Banks	bank	NOUN	NNS	Number=Plur	3	nsubj	_	_
2	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	worse	bad	ADJ	JJR	Degree=Cmp	0	root	_	_
4	than	than	ADP	IN	_	6	case	_	_
5	dodgy	dodgy	ADJ	JJ	Degree=Pos	6	amod	_	_
6	websites	website	NOUN	NNS	Number=Plur	3	obl	_	_
7	every	every	DET	DT	PronType=Tot	8	det	_	_
8	time	time	NOUN	NN	Number=Sing	3	obl:unmarked	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | Banks |  |  |  | time | than dodgy websites; bad *property* | tree rules |

### Option 2 · ← Mova's choice · ✓ the right answer {#o2}

<!-- .ven lang=en -->
Some lenders charge huge interest, so borrow carefully and compare

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:o2:1
# text = Some lenders charge huge interest, so borrow carefully and compare
1	Some	some	DET	DT	PronType=Ind	2	det	_	_
2	lenders	lender	NOUN	NNS	Number=Plur	3	nsubj	_	_
3	charge	charge	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	huge	huge	ADJ	JJ	Degree=Pos	5	amod	_	_
5	interest	interest	NOUN	NN	Number=Sing	3	obj	_	SpaceAfter=No
6	,	,	PUNCT	,	_	8	punct	_	_
7	so	so	ADV	RB	_	8	advmod	_	_
8	borrow	borrow	VERB	VB	VerbForm=Inf	3	advcl	_	_
9	carefully	carefully	ADV	RB	_	8	advmod	_	_
10	and	and	CCONJ	CC	_	11	cc	_	_
11	compare	compare	VERB	VB	VerbForm=Inf	8	conj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **charge** | present | some lenders | huge interest |  |  |  |  | vn run-51.3.2 «PP.location V NP»: agent=Initial\_Location interest=Theme |
| 2 | **borrow** | infinitive | some lenders *not said here* |  |  |  |  | carefully *property* | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 3 | **compare** | infinitive | some lenders *not said here* |  |  |  |  |  | vn amalgamate-22.2-2 «NP V ADVP-Middle»: agent=Patient |

### Option 3 {#o3}

<!-- .ven lang=en -->
Owing double is normal for every kind of loan

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:o3:1
# text = Owing double is normal for every kind of loan
1	Owing	owe	VERB	VBG	VerbForm=Ger	4	csubj	_	_
2	double	double	NOUN	NN	Number=Sing	1	obj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
4	normal	normal	ADJ	JJ	Degree=Pos	0	root	_	_
5	for	for	ADP	IN	_	7	case	_	_
6	every	every	DET	DT	PronType=Tot	7	det	_	_
7	kind	kind	NOUN	NN	Number=Sing	4	obl	_	_
8	of	of	ADP	IN	_	9	case	_	_
9	loan	loan	NOUN	NN	Number=Sing	7	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **owe** | gerund |  | double |  |  |  |  | vn future\_having-13.3 «NP V NP.theme (PP)»: agent=Agent double=Theme |
| 2 | **is** | present | Owing |  |  |  |  | for every kind of loan; normal *property* | tree rules |

### Option 4 {#o4}

<!-- .ven lang=en -->
Websites always lend money for free to young people

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t4:o4:1
# text = Websites always lend money for free to young people
1	Websites	website	NOUN	NNS	Number=Plur	3	nsubj	_	_
2	always	always	ADV	RB	PronType=Tot	3	advmod	_	_
3	lend	lend	VERB	VBP	Mood=Ind|Tense=Pres|VerbForm=Fin	0	root	_	_
4	money	money	NOUN	NN	Number=Sing	3	obj	_	_
5	for	for	ADP	IN	_	6	case	_	_
6	free	free	ADJ	JJ	Degree=Pos	3	obl	_	_
7	to	to	ADP	IN	_	9	case	_	_
8	young	young	ADJ	JJ	Degree=Pos	9	amod	_	_
9	people	people	NOUN	NNS	Number=Plur	3	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **lend** | present | Websites | money | young people |  |  | for free; always *property* | vn give-13.1 «NP V NP PP.recipient»: agent=Agent money=Theme to people=Recipient |

<!-- 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.

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