---
title: A Geordie lad says, "Me uncle's work's dead up and down, so the bank… — What a bank does with your money and w… · tree and pragmatics
description: A Geordie lad says, "Me uncle's work's dead up and down, so the bank says nah to his loan, howay man!" ("Howay man" means "come on!") Why did the bank say no? Test 2 · ★★★ 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 depend
---

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# Test 2 · ★★★ · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
A Geordie lad says, "Me uncle's work's dead up and down, so the bank says nah to his loan, howay man!" ("Howay man" means "come on!") Why did the bank say no?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 3 · wrong ✗ · **Who acts:** Geordie lad, bank, Howay man · **What happens:** say, loan, mean, come on · **To what, where:** nah, loan · **Speech:** someone speaks here

<!-- .vabout -->
This is test 2 · ★★★ 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/#t2).

## The question {#question}

<!-- .note -->
*Sentence 1:* A Geordie lad says, "Me uncle's work's dead up and down, so the bank says nah to his loan, howay man!"

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:1
# text = A Geordie lad says, "Me uncle's work's dead up and down, so the bank says nah to his loan, howay man!"
1	A	a	DET	DT	Definite=Ind|PronType=Art	3	det	_	_
2	Geordie	Geordie	PROPN	NNP	Number=Sing	3	compound	_	_
3	lad	lad	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	,	_	12	punct	_	_
6	"	"	PUNCT	``	_	12	punct	_	SpaceAfter=No
7	Me	I	PRON	PRP	Case=Acc|Number=Sing|Person=1|PronType=Prs	8	nsubj	_	_
8	uncle	uncle	NOUN	NN	Number=Sing	10	compound	_	SpaceAfter=No
9	's	's	PART	POS	_	8	case	_	_
10	work	work	NOUN	NN	Number=Sing	12	nsubj	_	SpaceAfter=No
11	's	's	PART	POS	_	10	case	_	_
12	dead	dead	ADJ	JJ	Degree=Pos	4	ccomp	_	_
13	up	up	ADV	RB	_	12	advmod	_	_
14	and	and	CCONJ	CC	_	15	cc	_	_
15	down	down	ADV	RB	_	13	conj	_	SpaceAfter=No
16	,	,	PUNCT	,	_	20	punct	_	_
17	so	so	ADV	RB	_	20	advmod	_	_
18	the	the	DET	DT	Definite=Def|PronType=Art	19	det	_	_
19	bank	bank	NOUN	NN	Number=Sing	20	nsubj	_	_
20	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	conj	_	_
21	nah	nah	NOUN	NN	Number=Sing	20	obj	_	_
22	to	to	ADP	IN	_	24	case	_	_
23	his	his	PRON	PRP$	Case=Gen|Gender=Masc|Number=Sing|Person=3|Poss=Yes|PronType=Prs	24	nmod:poss	_	_
24	loan	loan	NOUN	NN	Number=Sing	20	obl	_	SpaceAfter=No
25	,	,	PUNCT	,	_	27	punct	_	_
26	howay	howay	INTJ	UH	Number=Sing	27	discourse	_	_
27	man	man	NOUN	NN	Number=Sing	24	appos	_	SpaceAfter=No
28	!	!	PUNCT	.	_	27	punct	_	SpaceAfter=No
29	"	"	PUNCT	''	_	27	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: express* | present | a Geordie lad |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |
| 2 | **say** *speech: assert* *in a quote* | present | the bank | nah | bank's loan |  |  |  | vn say-37.7-1-1 «NP V NP PP.recipient»: agent=Agent nah=Topic to loan=Recipient |
| 3 | **loan** *in a quote* |  | bank |  |  |  |  |  | nom loan «possession 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:* ("Howay man" means "come on!")

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:2
# text = ("Howay man" means "come on!")
1	(	(	PUNCT	-LRB-	_	6	punct	_	SpaceAfter=No
2	"	"	PUNCT	``	_	4	punct	_	SpaceAfter=No
3	Howay	Howay	PROPN	NNP	Number=Sing	4	compound	_	_
4	man	man	NOUN	NN	Number=Sing	6	nsubj	_	SpaceAfter=No
5	"	"	PUNCT	''	_	4	punct	_	_
6	means	mean	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
7	"	"	PUNCT	``	_	8	punct	_	SpaceAfter=No
8	come	come	VERB	VB	VerbForm=Inf	6	ccomp	_	_
9	on	on	ADV	RB	_	8	advmod	_	SpaceAfter=No
10	!	!	PUNCT	.	_	8	punct	_	SpaceAfter=No
11	"	"	PUNCT	''	_	8	punct	_	SpaceAfter=No
12	)	)	PUNCT	-RRB-	_	6	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **mean** | present | Howay man |  |  |  |  |  | vn intend-61.2-1 «NP V S»: agent=Agent clause=Topic |
| 2 | **come on** *in a quote* | infinitive |  |  |  |  |  |  | vn escape-51.1-1 «NP V»: agent=Theme |

<!-- .note -->
*Sentence 3:* Why did the bank say no?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:3
# text = Why did the bank say no?
1	Why	why	ADV	WRB	PronType=Int	5	advmod	_	_
2	did	do	AUX	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	5	aux	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
4	bank	bank	NOUN	NN	Number=Sing	5	nsubj	_	_
5	say	say	VERB	VB	VerbForm=Inf	0	root	_	_
6	no	no	INTJ	UH	Polarity=Neg	5	discourse	_	SpaceAfter=No
7	?	?	PUNCT	.	_	5	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | past · do-support | the bank |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
Loans are only for people who have no job and need help

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:o1:1
# text = Loans are only for people who have no job and need help
1	Loans	loan	NOUN	NNS	Number=Plur	5	nsubj	_	_
2	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	5	cop	_	_
3	only	only	ADV	RB	_	5	advmod	_	_
4	for	for	ADP	IN	_	5	case	_	_
5	people	people	NOUN	NNS	Number=Plur	0	root	_	_
6	who	who	PRON	WP	PronType=Rel	7	nsubj	_	_
7	have	have	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	5	acl:relcl	_	_
8	no	no	DET	DT	PronType=Neg	9	det	_	_
9	job	job	NOUN	NN	Number=Sing	7	obj	_	_
10	and	and	CCONJ	CC	_	11	cc	_	_
11	need	need	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	7	conj	_	_
12	help	help	NOUN	NN	Number=Sing	11	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | Loans |  |  |  |  | for people | tree rules |
| 2 | **have** | present | people | no job |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent job=Patient |
| 3 | **need** | present | people *not said here* | help |  |  |  |  | vn want-32.1-1-1 «NP V NP ADV»: agent=Pivot help=Theme |

### Option 2 {#o2}

<!-- .ven lang=en -->
The bank thinks his name is too unusual to put on a form

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:o2:1
# text = The bank thinks his name is too unusual to put on a form
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	3	nsubj	_	_
3	thinks	think	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	his	his	PRON	PRP$	Case=Gen|Gender=Masc|Number=Sing|Person=3|Poss=Yes|PronType=Prs	5	nmod:poss	_	_
5	name	name	NOUN	NN	Number=Sing	8	nsubj	_	_
6	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	8	cop	_	_
7	too	too	ADV	RB	_	8	advmod	_	_
8	unusual	unusual	ADJ	JJ	Degree=Pos	3	ccomp	_	_
9	to	to	PART	TO	_	10	mark	_	_
10	put	put	VERB	VB	VerbForm=Inf	8	csubj	_	_
11	on	on	ADP	IN	_	13	case	_	_
12	a	a	DET	DT	Definite=Ind|PronType=Art	13	det	_	_
13	form	form	NOUN	NN	Number=Sing	10	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **think** *speech: other* | present | the bank |  |  |  |  |  | vn focus-87.1-1 «NP V»: agent=Agent |
| 2 | **is** | present | bank's name |  |  |  |  | unusual *property* | tree rules |
| 3 | **put** | to-infinitive |  |  |  | a form |  |  | vn put-9.1-2 «NP V PP.destination NP»: agent=Agent on form=Destination |
| 4 | **name** |  | bank |  |  |  |  |  | nom name «communication transitive»: poss=agent |

### Option 3 · ✓ the right answer {#o3}

<!-- .ven lang=en -->
With uneven income, they worry he can't pay it back

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:o3:1
# text = With uneven income, they worry he can't pay it back
1	With	with	ADP	IN	_	3	case	_	_
2	uneven	uneven	ADJ	JJ	Degree=Pos	3	amod	_	_
3	income	income	NOUN	NN	Number=Sing	6	obl	_	SpaceAfter=No
4	,	,	PUNCT	,	_	3	punct	_	_
5	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	6	nsubj	_	_
6	worry	worry	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
7	he	he	PRON	PRP	Case=Nom|Gender=Masc|Number=Sing|Person=3|PronType=Prs	10	nsubj	_	_
8	ca	can	AUX	MD	VerbForm=Fin	10	aux	_	SpaceAfter=No
9	n't	not	PART	RB	Polarity=Neg	10	advmod	_	_
10	pay	pay	VERB	VB	VerbForm=Inf	6	ccomp	_	_
11	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	10	obj	_	_
12	back	back	ADV	RB	_	10	advmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **worry** | present | they |  |  |  |  | with uneven income | vn care-88.1-1 «NP V what S»: agent=Experiencer clause=Stimulus |
| 2 | **not** **pay back** | can | he | income |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent it=Asset |

### Option 4 {#o4}

<!-- .ven lang=en -->
Banks don't lend to anyone at all from the North East

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t2:o4:1
# text = Banks don't lend to anyone at all from the North East
1	Banks	bank	NOUN	NNS	Number=Plur	4	nsubj	_	_
2	do	do	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	4	aux	_	SpaceAfter=No
3	n't	not	PART	RB	Polarity=Neg	4	advmod	_	_
4	lend	lend	VERB	VB	VerbForm=Inf	0	root	_	_
5	to	to	ADP	IN	_	6	case	_	_
6	anyone	anyone	PRON	NN	Number=Sing|PronType=Ind	4	obl	_	_
7	at	at	ADP	IN	_	8	case	_	_
8	all	all	DET	DT	PronType=Tot	4	obl	_	_
9	from	from	ADP	IN	_	12	case	_	_
10	the	the	DET	DT	Definite=Def|PronType=Art	12	det	_	_
11	North	North	PROPN	NNP	Number=Sing	12	compound	_	_
12	East	East	PROPN	NNP	Number=Sing	4	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **not** **lend** | present · do-support | Banks |  | anyone | all |  | from the North East | vn give-13.1 «NP V PP.recipient»: agent=Agent to anyone=Recipient |

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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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