---
title: Grandad, a bit salty about 2008, says, "The government should've let… — What a bank does with your money and w… · tree and pragmatics
description: Grandad, a bit salty about 2008, says, "The government should've let them banks sink." His neighbour says, "If they'd sunk, ordinary folk would've lost their savings." ("Salty" means bitter.) What's the fair summary? Test 5 · ★★★ of lesson 28 «What a bank does with your money and why banks lend» of 
---

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# Test 5 · ★★★ · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
Grandad, a bit salty about 2008, says, "The government should've let them banks sink." His neighbour says, "If they'd sunk, ordinary folk would've lost their savings." ("Salty" means bitter.) What's the fair summary?

<!-- .vintro -->
**Mova's choice:** option 2 · **The right answer:** option 1 · wrong ✗ · **Who acts:** Grandad, banks, neighbour, Salty, fair summary · **What happens:** say, let, sink, lose, save, mean · **To what, where:** them, ordinary folk · **Speech:** someone speaks here

<!-- .vabout -->
This is test 5 · ★★★ 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/#t5).

## The question {#question}

<!-- .note -->
*Sentence 1:* Grandad, a bit salty about 2008, says, "The government should've let them banks sink."

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:1
# text = Grandad, a bit salty about 2008, says, "The government should've let them banks sink."
1	Grandad	Grandad	PROPN	NNP	Number=Sing	9	nsubj	_	SpaceAfter=No
2	,	,	PUNCT	,	_	4	punct	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
4	bit	bit	NOUN	NN	Number=Sing	1	appos	_	_
5	salty	salty	ADJ	JJ	Degree=Pos	4	amod	_	_
6	about	about	ADP	IN	_	7	case	_	_
7	2008	2008	NUM	CD	NumForm=Digit|NumType=Card	5	obl	_	SpaceAfter=No
8	,	,	PUNCT	,	_	1	punct	_	_
9	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
10	,	,	PUNCT	,	_	15	punct	_	_
11	"	"	PUNCT	``	_	15	punct	_	SpaceAfter=No
12	The	the	DET	DT	Definite=Def|PronType=Art	13	det	_	_
13	government	government	NOUN	NN	Number=Sing	15	nsubj	_	_
14	should	should	AUX	MD	VerbForm=Fin	15	aux	_	SpaceAfter=No
15	've	have	AUX	VB	VerbForm=Inf	9	ccomp	_	_
16	let	let	VERB	VB	VerbForm=Inf	15	xcomp	_	_
17	them	they	PRON	PRP	Case=Acc|Number=Plur|Person=3|PronType=Prs	16	obj	_	_
18	banks	bank	NOUN	NNS	Number=Plur	19	nsubj	_	_
19	sink	sink	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	16	parataxis	_	SpaceAfter=No
20	.	.	PUNCT	.	_	9	punct	_	SpaceAfter=No
21	"	"	PUNCT	''	_	9	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Grandad |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |
| 2 | **let** *in a quote* | infinitive | Grandad *not said here* | them *= they* |  |  |  |  | vn give-13.1-1 «NP V NP»: agent=Agent they=Theme |
| 3 | **sink** *in a quote* | present | banks |  |  |  |  |  | vn other\_cos-45.4 «NP.patient V»: agent=Patient |

<!-- .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:* His neighbour says, "If they'd sunk, ordinary folk would've lost their savings."

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:2
# text = His neighbour says, "If they'd sunk, ordinary folk would've lost their savings."
1	His	his	PRON	PRP$	Case=Gen|Gender=Masc|Number=Sing|Person=3|Poss=Yes|PronType=Prs	2	nmod:poss	_	_
2	neighbour	neighbour	NOUN	NN	Number=Sing	3	nsubj	_	_
3	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
4	,	,	PUNCT	,	_	3	punct	_	_
5	"	"	PUNCT	``	_	15	punct	_	SpaceAfter=No
6	If	if	SCONJ	IN	_	9	mark	_	_
7	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	9	nsubj	_	SpaceAfter=No
8	'd	have	AUX	VBD	Mood=Ind|Number=Plur|Person=3|Tense=Past|VerbForm=Fin	9	aux	_	_
9	sunk	sink	VERB	VBN	Tense=Past|VerbForm=Part	15	advcl	_	SpaceAfter=No
10	,	,	PUNCT	,	_	9	punct	_	_
11	ordinary	ordinary	ADJ	JJ	Degree=Pos	12	amod	_	_
12	folk	folk	NOUN	NN	Number=Sing	15	nsubj:pass	_	_
13	would	would	AUX	MD	VerbForm=Fin	15	aux	_	SpaceAfter=No
14	've	have	AUX	VB	VerbForm=Inf	15	aux	_	_
15	lost	lose	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	3	ccomp	_	_
16	their	their	PRON	PRP$	Case=Gen|Number=Plur|Person=3|Poss=Yes|PronType=Prs	17	nmod:poss	_	_
17	savings	savings	NOUN	NNS	Number=Ptan	15	obj	_	SpaceAfter=No
18	.	.	PUNCT	.	_	15	punct	_	SpaceAfter=No
19	"	"	PUNCT	''	_	15	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Grandad's neighbour |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic |
| 2 | **sink** *a condition, not said to happen, in a quote* | past · perfect | banks *= bank* |  |  |  |  |  | vn other\_cos-45.4 «NP.patient V»: agent=Patient |
| 3 | **lose** *in a quote* | would · perfect · passive |  | ordinary folk |  |  |  |  | tree rules |
| 4 | **save** *in a quote* |  | banks *= bank* |  |  |  |  |  | nom savings «possession transitive»: poss=agent |

<!-- .note -->
*Sentence 3:* ("Salty" means bitter.)

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:3
# text = ("Salty" means bitter.)
1	(	(	PUNCT	-LRB-	_	5	punct	_	SpaceAfter=No
2	"	"	PUNCT	``	_	3	punct	_	SpaceAfter=No
3	Salty	salty	ADJ	JJ	Degree=Pos	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	bitter	bitter	ADJ	JJ	Degree=Pos	5	xcomp	_	SpaceAfter=No
7	.	.	PUNCT	.	_	5	punct	_	SpaceAfter=No
8	)	)	PUNCT	-RRB-	_	5	punct	_	_
```

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

<!-- .note -->
*Sentence 4:* What's the fair summary?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:4
# text = What's the fair summary?
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	fair	fair	ADJ	JJ	Degree=Pos	5	amod	_	_
5	summary	summary	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 fair summary |  |  |  |  |  | tree rules |

## The options {#options}

### Option 1 · ✓ the right answer {#o1}

<!-- .ven lang=en -->
People still argue about whether helping the banks was right

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:o1:1
# text = People still argue about whether helping the banks was right
1	People	people	NOUN	NNS	Number=Plur	3	nsubj	_	_
2	still	still	ADV	RB	_	3	advmod	_	_
3	argue	argue	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	10	parataxis	_	_
4	about	about	SCONJ	IN	_	6	mark	_	_
5	whether	whether	SCONJ	IN	_	6	mark	_	_
6	helping	help	VERB	VBG	Tense=Pres|VerbForm=Part	3	advcl	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	banks	bank	NOUN	NNS	Number=Plur	6	obj	_	_
9	was	be	AUX	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	10	cop	_	_
10	right	right	ADJ	JJ	Degree=Pos	0	root	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **argue** *speech: disagree* | present | People |  |  |  | still |  | vn correspond-36.1-1 «NP V»: agent=Agent |
| 2 | **help** | gerund | People *not said here* | the banks |  |  |  |  | vn help-72.1-1-1 «NP V NP»: agent=Agent bank=Beneficiary |
| 3 | **is** | past |  |  |  |  |  | right *property* | tree rules |

### Option 2 · ← Mova's choice {#o2}

<!-- .ven lang=en -->
Nothing happened to banks in 2008 at all

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:o2:1
# text = Nothing happened to banks in 2008 at all
1	Nothing	nothing	PRON	NN	Number=Sing|PronType=Neg	2	nsubj	_	_
2	happened	happen	VERB	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	0	root	_	_
3	to	to	ADP	IN	_	4	case	_	_
4	banks	bank	NOUN	NNS	Number=Plur	2	obl	_	_
5	in	in	ADP	IN	_	6	case	_	_
6	2008	2008	NUM	CD	NumForm=Digit|NumType=Card	2	obl	_	_
7	at	at	ADP	IN	_	8	case	_	_
8	all	all	DET	DT	PronType=Tot	6	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **happen** | past | Nothing |  |  | 2008 at all |  | to banks | vn occur-48.3-1 «NP V PP»: agent=Theme in 2008=Location |

### Option 3 {#o3}

<!-- .ven lang=en -->
The neighbour is right and nobody disagrees

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:o3:1
# text = The neighbour is right and nobody disagrees
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	neighbour	neighbour	NOUN	NN	Number=Sing	4	nsubj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
4	right	right	ADJ	JJ	Degree=Pos	0	root	_	_
5	and	and	CCONJ	CC	_	7	cc	_	_
6	nobody	nobody	PRON	NN	Number=Sing|PronType=Neg	7	nsubj	_	_
7	disagrees	disagree	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	conj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | the neighbour |  |  |  |  | right *property* | tree rules |
| 2 | **disagree** | present | nobody |  |  |  |  |  | vn correspond-36.1 «NP V»: agent=Agent |

### Option 4 {#o4}

<!-- .ven lang=en -->
Grandad is right and every expert agrees

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t5:o4:1
# text = Grandad is right and every expert agrees
1	Grandad	Grandad	PROPN	NNP	Number=Sing	3	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	right	right	ADJ	JJ	Degree=Pos	0	root	_	_
4	and	and	CCONJ	CC	_	7	cc	_	_
5	every	every	DET	DT	PronType=Tot	6	det	_	_
6	expert	expert	NOUN	NN	Number=Sing	7	nsubj	_	_
7	agrees	agree	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	conj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | Grandad |  |  |  |  | right *property* | tree rules |
| 2 | **agree** *speech: agree* | present | every expert |  |  |  |  |  | vn correspond-36.1-1 «NP V»: agent=Agent |

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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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