---
title: Mum says, "My credit score's good, it's like a report card for payin… — Debt, loans, credit cards and interest · tree and pragmatics
description: Mum says, "My credit score's good, it's like a report card for paying stuff back." What would happen if she missed lots of payments? Test 8 · ★ 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 
---

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# Test 8 · ★ · Debt, loans, credit cards and interest

<!-- .ven lang=en -->
Mum says, "My credit score's good, it's like a report card for paying stuff back." What would happen if she missed lots of payments?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 1 · right ✓ · **Who acts:** Mum, score, report card, My · **What happens:** say, be, pay back, score, happen, miss · **To what, where:** stuff, lots · **Speech:** someone speaks here

<!-- .vabout -->
This is test 8 · ★ 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/#t8).

## The question {#question}

<!-- .note -->
*Sentence 1:* Mum says, "My credit score's good, it's like a report card for paying stuff back."

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t8:1
# text = Mum says, "My credit score's good, it's like a report card for paying stuff back."
1	Mum	mum	NOUN	NN	Number=Sing	2	nsubj	_	_
2	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
3	,	,	PUNCT	,	_	2	punct	_	_
4	"	"	PUNCT	``	_	9	punct	_	SpaceAfter=No
5	My	my	PRON	PRP$	Case=Gen|Number=Sing|Person=1|Poss=Yes|PronType=Prs	7	nmod:poss	_	_
6	credit	credit	NOUN	NN	Number=Sing	7	compound	_	_
7	score	score	NOUN	NN	Number=Sing	9	nsubj	_	SpaceAfter=No
8	's	's	PART	POS	_	7	case	_	_
9	good	good	ADJ	JJ	Degree=Pos	2	ccomp	_	SpaceAfter=No
10	,	,	PUNCT	,	_	16	punct	_	_
11	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	16	nsubj	_	SpaceAfter=No
12	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	16	cop	_	_
13	like	like	ADP	IN	_	16	case	_	_
14	a	a	DET	DT	Definite=Ind|PronType=Art	16	det	_	_
15	report	report	NOUN	NN	Number=Sing	16	compound	_	_
16	card	card	NOUN	NN	Number=Sing	9	conj	_	_
17	for	for	SCONJ	IN	_	18	mark	_	_
18	paying	pay	VERB	VBG	VerbForm=Ger	16	acl	_	_
19	stuff	stuff	NOUN	NN	Number=Sing	18	obj	_	_
20	back	back	ADV	RB	_	18	advmod	_	SpaceAfter=No
21	.	.	PUNCT	.	_	9	punct	_	SpaceAfter=No
22	"	"	PUNCT	''	_	9	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Mum |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |
| 2 | **is** *in a quote* | present | score |  |  |  |  | like a report card | tree rules |
| 3 | **pay back** *in a quote* | gerund | a report card *not said here* | stuff |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent stuff=Asset |
| 4 | **score** *in a quote* |  | My |  |  |  |  |  | nom score «cognition transitive»: poss=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:* What would happen if she missed lots of payments?

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t8:2
# text = What would happen if she missed lots of 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	she	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	6	nsubj	_	_
6	missed	miss	VERB	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	3	advcl	_	_
7	lots	lot	NOUN	NNS	Number=Plur	6	obj	_	_
8	of	of	ADP	IN	_	9	case	_	_
9	payments	payment	NOUN	NNS	Number=Plur	7	nmod	_	SpaceAfter=No
10	?	?	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 | Mum | lots of payments |  |  |  |  | vn admire-31.2 «NP V NP»: agent=Experiencer lot=Stimulus |

## The options {#options}

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

<!-- .ven lang=en -->
Her score would drop, and borrowing would get harder

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t8:o1:1
# text = Her score would drop, and borrowing would get harder
1	Her	her	PRON	PRP$	Case=Gen|Gender=Fem|Number=Sing|Person=3|Poss=Yes|PronType=Prs	2	nmod:poss	_	_
2	score	score	NOUN	NN	Number=Sing	4	nsubj	_	_
3	would	would	AUX	MD	VerbForm=Fin	4	aux	_	_
4	drop	drop	VERB	VB	VerbForm=Inf	0	root	_	SpaceAfter=No
5	,	,	PUNCT	,	_	9	punct	_	_
6	and	and	CCONJ	CC	_	9	cc	_	_
7	borrowing	borrow	VERB	VBG	VerbForm=Ger	9	csubj	_	_
8	would	would	AUX	MD	VerbForm=Fin	9	aux	_	_
9	get	get	VERB	VB	VerbForm=Inf	4	conj	_	_
10	harder	hard	ADJ	JJR	Degree=Cmp	9	xcomp	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **drop** | would | Her score |  |  |  |  |  | vn roll-51.3.1 «NP.theme V»: agent=Theme |
| 2 | **borrow** | gerund |  |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 3 | **get** | would | borrowing |  |  |  |  | hard *property* | vn comprehend-87.2-1 «NP V S\_ING»: agent=Experiencer |
| 4 | **score** |  | Her *= she* |  |  |  |  |  | nom score «cognition transitive»: poss=agent |

### Option 2 {#o2}

<!-- .ven lang=en -->
Her score would go up, because she kept her money

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t8:o2:1
# text = Her score would go up, because she kept her money
1	Her	her	PRON	PRP$	Case=Gen|Gender=Fem|Number=Sing|Person=3|Poss=Yes|PronType=Prs	2	nmod:poss	_	_
2	score	score	NOUN	NN	Number=Sing	4	nsubj	_	_
3	would	would	AUX	MD	VerbForm=Fin	4	aux	_	_
4	go	go	VERB	VB	VerbForm=Inf	0	root	_	_
5	up	up	ADP	RP	_	4	compound:prt	_	SpaceAfter=No
6	,	,	PUNCT	,	_	9	punct	_	_
7	because	because	SCONJ	IN	_	9	mark	_	_
8	she	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	9	nsubj	_	_
9	kept	keep	VERB	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	4	advcl	_	_
10	her	her	PRON	PRP$	Case=Gen|Gender=Fem|Number=Sing|Person=3|Poss=Yes|PronType=Prs	11	nmod:poss	_	_
11	money	money	NOUN	NN	Number=Sing	9	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **go up** | would | Her score |  |  |  |  |  | vn calibratable\_cos-45.6.1-1 «NP.attribute V»: agent=Attribute |
| 2 | **keep** | past | score | score's money |  |  |  |  | vn keep-15.2 «NP V NP»: agent=Agent money=Theme |
| 3 | **score** |  | Her *= she* |  |  |  |  |  | nom score «cognition transitive»: poss=agent |

### Option 3 {#o3}

<!-- .ven lang=en -->
Nothing, because scores never change once they're first set

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t8:o3:1
# text = Nothing, because scores never change once they're first set
1	Nothing	nothing	PRON	NN	Number=Sing|PronType=Neg	0	root	_	SpaceAfter=No
2	,	,	PUNCT	,	_	6	punct	_	_
3	because	because	SCONJ	IN	_	6	mark	_	_
4	scores	score	NOUN	NNS	Number=Plur	6	nsubj	_	_
5	never	never	ADV	RB	PronType=Neg	6	advmod	_	_
6	change	change	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	1	conj	_	_
7	once	once	SCONJ	IN	_	11	mark	_	_
8	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	11	nsubj:pass	_	SpaceAfter=No
9	're	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	11	aux:pass	_	_
10	first	first	ADV	RB	NumForm=Word|NumType=Ord	11	advmod	_	_
11	set	set	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	6	advcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **not** **change** | present | scores |  |  |  |  |  | vn dress-41.1.1-1-1 «NP V»: agent=Agent |
| 2 | **set** | present · passive |  | scores *= score* |  |  |  | first *property* | vn other\_cos-45.4-1 «NP V NP ADJ»: subject=Result |

### Option 4 {#o4}

<!-- .ven lang=en -->
The bank would send her a reward for saving

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t8:o4:1
# text = The bank would send her a reward for saving
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	4	nsubj	_	_
3	would	would	AUX	MD	VerbForm=Fin	4	aux	_	_
4	send	send	VERB	VB	VerbForm=Inf	0	root	_	_
5	her	she	PRON	PRP	Case=Acc|Gender=Fem|Number=Sing|Person=3|PronType=Prs	4	obj	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	reward	reward	NOUN	NN	Number=Sing	4	obj	_	_
8	for	for	ADP	IN	_	9	case	_	_
9	saving	saving	NOUN	NN	Number=Sing	4	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **send** | would | the bank | a reward | her *= she* |  |  | for saving | vn send-11.1-1 «NP V NP-Dative NP»: agent=Agent she=Destination reward=Theme |

<!-- 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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