---
title: Mia goes, "Why's the bank pay me 3% but charge Mum 20%? That's dayli… — What a bank does with your money and w… · tree and pragmatics
description: Mia goes, "Why's the bank pay me 3% but charge Mum 20%? That's daylight robbery!" What's the best explanation? Test 10 · ★★★ of lesson 28 «What a bank does with your money and why banks lend» 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 10 · ★★★ · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
Mia goes, "Why's the bank pay me 3% but charge Mum 20%? That's daylight robbery!" What's the best explanation?

<!-- .vintro -->
**Mova's choice:** option 2 · **The right answer:** option 2 · right ✓ · **Who acts:** Mia, bank, That, best explanation · **What happens:** go, pay, charge, be · **To what, where:** me, Mum, daylight robbery · **Speech:** someone speaks here

<!-- .vabout -->
This is test 10 · ★★★ of lesson 28 «What a bank does with your money and why banks lend» 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/28-what-a-bank-does-with-your-money/#t10).

## The question {#question}

<!-- .note -->
*Sentence 1:* Mia goes, "Why's the bank pay me 3% but charge Mum 20%?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:1
# text = Mia goes, "Why's the bank pay me 3% but charge Mum 20%?
1	Mia	Mia	PROPN	NNP	Number=Sing	2	nsubj	_	_
2	goes	go	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	Why	why	ADV	WRB	PronType=Int	9	advmod	_	SpaceAfter=No
6	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	9	aux	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	bank	bank	NOUN	NN	Number=Sing	9	nsubj	_	_
9	pay	pay	VERB	VB	VerbForm=Inf	2	parataxis	_	_
10	me	I	PRON	PRP	Case=Acc|Number=Sing|Person=1|PronType=Prs	9	iobj	_	_
11	3	3	NUM	CD	NumForm=Digit|NumType=Card	12	nummod	_	SpaceAfter=No
12	%	%	SYM	NN	Number=Sing	9	obl:unmarked	_	_
13	but	but	CCONJ	CC	_	14	cc	_	_
14	charge	charge	VERB	VBP	Mood=Ind|Tense=Pres|VerbForm=Fin	9	conj	_	_
15	Mum	mum	NOUN	NN	Number=Sing	14	obj	_	_
16	20	20	NUM	CD	NumForm=Digit|NumType=Card	17	nummod	_	SpaceAfter=No
17	%	%	SYM	NN	Number=Sing	14	obj	_	SpaceAfter=No
18	?	?	PUNCT	.	_	2	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **go** | present | Mia |  |  |  |  |  | vn say-37.7 «NP V S-Quote»: agent=Agent clause=Topic |
| 2 | **pay** *in a quote* | present | the bank |  | me |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent i=Asset |
| 3 | **charge** *in a quote* | present | the bank *not said here* |  | Mum |  |  |  | vn bill-54.5-1 «NP V NP NP.asset»: agent=Agent mum=Recipient %=Asset |

<!-- .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:* That's daylight robbery!"

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:2
# text = That's daylight robbery!"
1	That	that	PRON	DT	Number=Sing|PronType=Dem	4	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	daylight	daylight	NOUN	NN	Number=Sing	4	compound	_	_
4	robbery	robbery	NOUN	NN	Number=Sing	0	root	_	SpaceAfter=No
5	!	!	PUNCT	.	_	4	punct	_	SpaceAfter=No
6	"	"	PUNCT	''	_	4	punct	_	_
```

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

<!-- .note -->
*Sentence 3:* What's the best explanation?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:3
# text = What's the best explanation?
1	What	what	PRON	WP	PronType=Int	0	root	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	1	cop	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	5	det	_	_
4	best	good	ADJ	JJS	Degree=Sup	5	amod	_	_
5	explanation	explanation	NOUN	NN	Number=Sing	1	nsubj	_	SpaceAfter=No
6	?	?	PUNCT	.	_	1	punct	_	_
```

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

## The options {#options}

### Option 1 {#o1}

<!-- .ven lang=en -->
Mum must have broken some bank rule last year without knowing

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:o1:1
# text = Mum must have broken some bank rule last year without knowing
1	Mum	mum	NOUN	NN	Number=Sing	4	nsubj	_	_
2	must	must	AUX	MD	VerbForm=Fin	4	aux	_	_
3	have	have	AUX	VB	VerbForm=Inf	4	aux	_	_
4	broken	break	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	6	amod	_	_
5	some	some	DET	DT	PronType=Ind	6	det	_	_
6	bank	bank	NOUN	NN	Number=Sing	7	nsubj	_	_
7	rule	rule	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
8	last	last	ADJ	JJ	Degree=Pos	9	amod	_	_
9	year	year	NOUN	NN	Number=Sing	7	obl:unmarked	_	_
10	without	without	SCONJ	IN	_	11	mark	_	_
11	knowing	know	VERB	VBG	Tense=Pres|VerbForm=Part	7	advcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **break** | must · perfect | Mum |  |  |  |  |  | vn hurt-40.8.3-1-1 «NP V»: agent=Patient |
| 2 | **rule** | present | some broken bank |  |  |  | year |  | vn dub-29.3.2 «NP V NP»: agent=Agent |
| 3 | **know** | gerund | some broken bank *not said here* |  |  |  |  |  | vn comprehend-87.2-1-1-1 «NP V»: agent=Experiencer |

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

<!-- .ven lang=en -->
Banks earn from the difference; card lending is risky

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:o2:1
# text = Banks earn from the difference; card lending is risky
1	Banks	bank	NOUN	NNS	Number=Plur	2	nsubj	_	_
2	earn	earn	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	from	from	ADP	IN	_	5	case	_	_
4	the	the	DET	DT	Definite=Def|PronType=Art	5	det	_	_
5	difference	difference	NOUN	NN	Number=Sing	2	obl	_	SpaceAfter=No
6	;	;	PUNCT	:	_	10	punct	_	_
7	card	card	NOUN	NN	Number=Sing	8	compound	_	_
8	lending	lending	NOUN	NN	Number=Sing	10	nsubj	_	_
9	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	10	cop	_	_
10	risky	risky	ADJ	JJ	Degree=Pos	2	advcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **earn** | present | Banks |  |  | the difference |  |  | vn get-13.5.1-1 «NP V NP PP.source»: agent=Agent from difference=Source |
| 2 | **is** | present | card lending |  |  |  |  | risky *property* | tree rules |

### Option 3 {#o3}

<!-- .ven lang=en -->
Interest rates are picked each week by spinning a big wheel

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:o3:1
# text = Interest rates are picked each week by spinning a big wheel
1	Interest	interest	NOUN	NN	Number=Sing	2	compound	_	_
2	rates	rate	NOUN	NNS	Number=Plur	4	nsubj:pass	_	_
3	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	4	aux:pass	_	_
4	picked	pick	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
5	each	each	DET	DT	PronType=Tot	6	det	_	_
6	week	week	NOUN	NN	Number=Sing	4	obl:unmarked	_	_
7	by	by	SCONJ	IN	_	8	mark	_	_
8	spinning	spin	VERB	VBG	Tense=Pres|VerbForm=Part	4	advcl	_	_
9	a	a	DET	DT	Definite=Ind|PronType=Art	11	det	_	_
10	big	big	ADJ	JJ	Degree=Pos	11	amod	_	_
11	wheel	wheel	NOUN	NN	Number=Sing	8	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pick** | present · passive |  | Interest rates |  |  | week |  | vn chew-39.2 «NP V NP»: subject=Patient |
| 2 | **spin** | gerund |  | a big wheel |  |  |  |  | vn roll-51.3.1 «NP V NP.theme»: agent=Agent wheel=Theme |

### Option 4 {#o4}

<!-- .ven lang=en -->
The bank is cheating her, and it's against the law to do it

<!-- fold The tree, 14 words -->
```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t10:o4:1
# text = The bank is cheating her, and it's against the law to do it
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	4	nsubj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	aux	_	_
4	cheating	cheat	VERB	VBG	Tense=Pres|VerbForm=Part	0	root	_	_
5	her	she	PRON	PRP	Case=Acc|Gender=Fem|Number=Sing|Person=3|PronType=Prs	4	obj	_	SpaceAfter=No
6	,	,	PUNCT	,	_	12	punct	_	_
7	and	and	CCONJ	CC	_	12	cc	_	_
8	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	12	nsubj	_	SpaceAfter=No
9	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	12	cop	_	_
10	against	against	ADP	IN	_	12	case	_	_
11	the	the	DET	DT	Definite=Def|PronType=Art	12	det	_	_
12	law	law	NOUN	NN	Number=Sing	4	conj	_	_
13	to	to	PART	TO	_	14	mark	_	_
14	do	do	VERB	VB	VerbForm=Inf	12	acl	_	_
15	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	14	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **cheat** | present · progressive | the bank | her *= she* |  |  |  |  | vn cheat-10.6.1 «NP V NP»: agent=Agent she=Source |
| 2 | **is** | present | bank |  |  |  |  | against the law | tree rules |
| 3 | **do** | to-infinitive | the bank *not said here* | bank |  |  |  |  | vn act-114-1 «NP V NP»: agent=Agent it=Eventuality |

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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.

<!-- /div -->

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