---
title: Your aunt says, "Online banks are dodgy, no building, so where's the… — What a bank does with your money and w… · tree and pragmatics
description: Your aunt says, "Online banks are dodgy, no building, so where's the money?" What's true? Test 8 · ★★★ 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 each option; Mova's c
---

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# Test 8 · ★★★ · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
Your aunt says, "Online banks are dodgy, no building, so where's the money?" What's true?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 2 · wrong ✗ · **Who acts:** aunt, Online banks · **What happens:** say, be · **To what, where:** money · **Speech:** someone speaks here

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

## The question {#question}

<!-- .note -->
*Sentence 1:* Your aunt says, "Online banks are dodgy, no building, so where's the money?"

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t8:1
# text = Your aunt says, "Online banks are dodgy, no building, so where's the money?"
1	Your	your	PRON	PRP$	Case=Gen|Person=2|Poss=Yes|PronType=Prs	2	nmod:poss	_	_
2	aunt	aunt	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	,	_	9	punct	_	_
5	"	"	PUNCT	``	_	9	punct	_	SpaceAfter=No
6	Online	online	ADJ	JJ	Degree=Pos	7	amod	_	_
7	banks	bank	NOUN	NNS	Number=Plur	9	nsubj	_	_
8	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	9	cop	_	_
9	dodgy	dodgy	ADJ	JJ	Degree=Pos	3	ccomp	_	SpaceAfter=No
10	,	,	PUNCT	,	_	12	punct	_	_
11	no	no	DET	DT	PronType=Neg	12	det	_	_
12	building	building	NOUN	NN	Number=Sing	9	conj	_	SpaceAfter=No
13	,	,	PUNCT	,	_	18	punct	_	_
14	so	so	ADV	RB	_	18	advmod	_	_
15	where	where	ADV	WRB	PronType=Rel	18	advmod	_	SpaceAfter=No
16	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	18	cop	_	_
17	the	the	DET	DT	Definite=Def|PronType=Art	18	det	_	_
18	money	money	NOUN	NN	Number=Sing	3	parataxis	_	SpaceAfter=No
19	?	?	PUNCT	.	_	18	punct	_	SpaceAfter=No
20	"	"	PUNCT	''	_	18	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: ask* | present | Your aunt |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic |
| 2 | **is** *in a quote* | present | Online banks |  |  |  |  | dodgy *property* | tree rules |
| 3 | **is a** *in a quote* | present |  | the money |  |  |  |  | tree rules |

<!-- .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's true?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t8:2
# text = What's true?
1	What	what	PRON	WP	PronType=Int	3	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	true	true	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
4	?	?	PUNCT	.	_	3	punct	_	_
```

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

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
Online banks keep money in a cloud in the sky

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t8:o1:1
# text = Online banks keep money in a cloud in the sky
1	Online	online	ADJ	JJ	Degree=Pos	2	amod	_	_
2	banks	bank	NOUN	NNS	Number=Plur	3	nsubj	_	_
3	keep	keep	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	money	money	NOUN	NN	Number=Sing	3	obj	_	_
5	in	in	ADP	IN	_	7	case	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	cloud	cloud	NOUN	NN	Number=Sing	3	obl	_	_
8	in	in	ADP	IN	_	10	case	_	_
9	the	the	DET	DT	Definite=Def|PronType=Art	10	det	_	_
10	sky	sky	NOUN	NN	Number=Sing	3	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **keep** | present | Online banks | money |  | a cloud |  | in the sky | vn keep-15.2 «NP V NP PP.location»: agent=Agent money=Theme in cloud=Location |

### Option 2 · ✓ the right answer {#o2}

<!-- .ven lang=en -->
Money in any bank is kept as records; online banks have the same protection

<!-- fold The tree, 14 words -->
```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t8:o2:1
# text = Money in any bank is kept as records; online banks have the same protection
1	Money	money	NOUN	NN	Number=Sing	6	nsubj:pass	_	_
2	in	in	ADP	IN	_	4	case	_	_
3	any	any	DET	DT	PronType=Ind	4	det	_	_
4	bank	bank	NOUN	NN	Number=Sing	1	nmod	_	_
5	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	aux:pass	_	_
6	kept	keep	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
7	as	as	ADP	IN	_	8	case	_	_
8	records	record	NOUN	NNS	Number=Plur	6	obl	_	SpaceAfter=No
9	;	;	PUNCT	:	_	12	punct	_	_
10	online	online	ADJ	JJ	Degree=Pos	11	amod	_	_
11	banks	bank	NOUN	NNS	Number=Plur	12	nsubj	_	_
12	have	have	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	6	parataxis	_	_
13	the	the	DET	DT	Definite=Def|PronType=Art	15	det	_	_
14	same	same	ADJ	JJ	Degree=Pos	15	amod	_	_
15	protection	protection	NOUN	NN	Number=Sing	12	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **keep** | present · passive |  | Money in any bank |  |  |  | as records | vn keep-15.2 «NP V NP»: subject=Theme |
| 2 | **have** | present | online banks | the same protection |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent protection=Patient |

### Option 3 {#o3}

<!-- .ven lang=en -->
She's right, only banks with buildings are real

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t8:o3:1
# text = She's right, only banks with buildings are real
1	She	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	right	right	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
4	,	,	PUNCT	,	_	6	punct	_	_
5	only	only	ADV	RB	_	6	advmod	_	_
6	banks	bank	NOUN	NNS	Number=Plur	10	nsubj	_	_
7	with	with	ADP	IN	_	8	case	_	_
8	buildings	building	NOUN	NNS	Number=Plur	6	nmod	_	_
9	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	10	cop	_	_
10	real	real	ADJ	JJ	Degree=Pos	3	ccomp	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | She |  |  |  |  | right *property* | tree rules |
| 2 | **is** | present | banks with buildings |  |  |  |  | real *property* | tree rules |

### Option 4 {#o4}

<!-- .ven lang=en -->
Online banks give money back only in cash

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t8:o4:1
# text = Online banks give money back only in cash
1	Online	online	ADJ	JJ	Degree=Pos	2	amod	_	_
2	banks	bank	NOUN	NNS	Number=Plur	3	nsubj	_	_
3	give	give	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	money	money	NOUN	NN	Number=Sing	3	obj	_	_
5	back	back	ADV	RB	_	3	advmod	_	_
6	only	only	ADV	RB	_	8	advmod	_	_
7	in	in	ADP	IN	_	8	case	_	_
8	cash	cash	NOUN	NN	Number=Sing	3	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **give back** | present | Online banks | money |  | cash |  |  | vn give-13.1 «NP V NP»: agent=Agent money=Theme |

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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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