---
title: A Gen Z cousin says, "Base rate's going up, highkey bad for Mum's lo… — What a bank does with your money and w… · tree and pragmatics
description: A Gen Z cousin says, "Base rate's going up, highkey bad for Mum's loan." ("Highkey" means very obviously.) Why is it bad for the loan? Test 9 · ★★★ 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
---

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# Test 9 · ★★★ · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
A Gen Z cousin says, "Base rate's going up, highkey bad for Mum's loan." ("Highkey" means very obviously.) Why is it bad for the loan?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 4 · wrong ✗ · **Who acts:** Z cousin, Base rate, Mum, Highkey, rate · **What happens:** say, go up, loan, mean, be · **Speech:** someone speaks here

<!-- .vabout -->
This is test 9 · ★★★ 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/#t9).

## The question {#question}

<!-- .note -->
*Sentence 1:* A Gen Z cousin says, "Base rate's going up, highkey bad for Mum's loan."

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:1
# text = A Gen Z cousin says, "Base rate's going up, highkey bad for Mum's loan."
1	A	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
2	Gen	gen	NOUN	NN	Number=Sing	3	compound	_	_
3	Z	z	NOUN	NN	Number=Sing	4	compound	_	_
4	cousin	cousin	NOUN	NN	Number=Sing	5	nsubj	_	_
5	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
6	,	,	PUNCT	,	_	11	punct	_	_
7	"	"	PUNCT	``	_	11	punct	_	SpaceAfter=No
8	Base	base	NOUN	NN	Number=Sing	9	compound	_	_
9	rate	rate	NOUN	NN	Number=Sing	11	nsubj	_	SpaceAfter=No
10	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	11	aux	_	_
11	going	go	VERB	VBG	Tense=Pres|VerbForm=Part	5	ccomp	_	_
12	up	up	ADP	RP	_	11	compound:prt	_	SpaceAfter=No
13	,	,	PUNCT	,	_	15	punct	_	_
14	highkey	highkey	ADJ	JJ	Degree=Pos	15	amod	_	_
15	bad	bad	ADJ	JJ	Degree=Pos	11	conj	_	_
16	for	for	ADP	IN	_	19	case	_	_
17	Mum	Mum	PROPN	NNP	Number=Sing	19	nmod:poss	_	SpaceAfter=No
18	's	's	PART	POS	_	17	case	_	_
19	loan	loan	NOUN	NN	Number=Sing	15	obl	_	SpaceAfter=No
20	.	.	PUNCT	.	_	11	punct	_	SpaceAfter=No
21	"	"	PUNCT	''	_	11	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | a Z cousin |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic |
| 2 | **go up** *in a quote* | present · progressive | Base rate |  |  |  |  |  | vn calibratable\_cos-45.6.1-1 «NP.attribute V»: agent=Attribute |
| 3 | **loan** *in a quote* |  | Mum |  |  |  |  |  | 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:* ("Highkey" means very obviously.)

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:2
# text = ("Highkey" means very obviously.)
1	(	(	PUNCT	-LRB-	_	5	punct	_	SpaceAfter=No
2	"	"	PUNCT	``	_	3	punct	_	SpaceAfter=No
3	Highkey	Highkey	PROPN	NNP	Number=Sing	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	very	very	ADV	RB	_	7	advmod	_	_
7	obviously	obviously	ADV	RB	_	5	advmod	_	SpaceAfter=No
8	.	.	PUNCT	.	_	5	punct	_	SpaceAfter=No
9	)	)	PUNCT	-RRB-	_	5	punct	_	_
```

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

<!-- .note -->
*Sentence 3:* Why is it bad for the loan?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:3
# text = Why is it bad for the loan?
1	Why	why	ADV	WRB	PronType=Int	4	advmod	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	4	nsubj	_	_
4	bad	bad	ADJ	JJ	Degree=Pos	0	root	_	_
5	for	for	ADP	IN	_	7	case	_	_
6	the	the	DET	DT	Definite=Def|PronType=Art	7	det	_	_
7	loan	loan	NOUN	NN	Number=Sing	4	obl	_	SpaceAfter=No
8	?	?	PUNCT	.	_	4	punct	_	_
```

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

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
The loan must be paid back in full the very next day

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:o1:1
# text = The loan must be paid back in full the very next day
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	loan	loan	NOUN	NN	Number=Sing	5	nsubj:pass	_	_
3	must	must	AUX	MD	VerbForm=Fin	5	aux	_	_
4	be	be	AUX	VB	VerbForm=Inf	5	aux:pass	_	_
5	paid	pay	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
6	back	back	ADV	RB	_	5	advmod	_	_
7	in	in	ADP	IN	_	12	case	_	_
8	full	full	ADJ	JJ	Degree=Pos	12	amod	_	_
9	the	the	DET	DT	Definite=Def|PronType=Art	12	det	_	_
10	very	very	ADV	RB	_	11	advmod	_	_
11	next	next	ADJ	JJ	Degree=Pos	12	amod	_	_
12	day	day	NOUN	NN	Number=Sing	5	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay back** | must · passive |  | the loan |  |  | day |  | vn pay-68-1 «NP V NP»: subject=Asset |

### Option 2 {#o2}

<!-- .ven lang=en -->
The bank will take Mum's car away the next morning

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:o2:1
# text = The bank will take Mum's car away the next morning
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	4	nsubj	_	_
3	will	will	AUX	MD	VerbForm=Fin	4	aux	_	_
4	take	take	VERB	VB	VerbForm=Inf	0	root	_	_
5	Mum	Mum	PROPN	NNP	Number=Sing	7	nmod:poss	_	SpaceAfter=No
6	's	's	PART	POS	_	5	case	_	_
7	car	car	NOUN	NN	Number=Sing	4	obj	_	_
8	away	away	ADV	RB	_	4	advmod	_	_
9	the	the	DET	DT	Definite=Def|PronType=Art	11	det	_	_
10	next	next	ADJ	JJ	Degree=Pos	11	amod	_	_
11	morning	morning	NOUN	NN	Number=Sing	4	obl:unmarked	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **take** | future | the bank | Mum's car |  |  | morning | away *property* | vn bring-11.3 «NP V NP»: agent=Agent car=Theme |

### Option 3 {#o3}

<!-- .ven lang=en -->
It isn't bad, because higher rates make loans free

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:o3:1
# text = It isn't bad, because higher rates make loans free
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	4	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	SpaceAfter=No
3	n't	not	PART	RB	Polarity=Neg	4	advmod	_	_
4	bad	bad	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
5	,	,	PUNCT	,	_	9	punct	_	_
6	because	because	SCONJ	IN	_	9	mark	_	_
7	higher	high	ADJ	JJR	Degree=Cmp	8	amod	_	_
8	rates	rate	NOUN	NNS	Number=Plur	9	nsubj	_	_
9	make	make	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	4	conj	_	_
10	loans	loan	NOUN	NNS	Number=Plur	9	obj	_	_
11	free	free	ADJ	JJ	Degree=Pos	9	xcomp	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **not** **is** | present | It |  |  |  |  | bad *property* | tree rules |
| 2 | **make** | present | higher rates | loans |  |  |  | free *property* | vn build-26.1-1 «NP.asset V NP»: agent=Asset loan=Product |

### Option 4 · ✓ the right answer {#o4}

<!-- .ven lang=en -->
Borrowing gets dearer, so Mum may pay more interest

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t9:o4:1
# text = Borrowing gets dearer, so Mum may pay more interest
1	Borrowing	borrowing	NOUN	NN	Number=Sing	2	nsubj	_	_
2	gets	get	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	dearer	dear	ADJ	JJR	Degree=Cmp	2	xcomp	_	SpaceAfter=No
4	,	,	PUNCT	,	_	8	punct	_	_
5	so	so	ADV	RB	_	8	advmod	_	_
6	Mum	mum	NOUN	NN	Number=Sing	8	nsubj	_	_
7	may	may	AUX	MD	VerbForm=Fin	8	aux	_	_
8	pay	pay	VERB	VB	VerbForm=Inf	2	parataxis	_	_
9	more	more	ADJ	JJR	Degree=Cmp	10	amod	_	_
10	interest	interest	NOUN	NN	Number=Sing	8	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **get** | present | Borrowing |  |  |  |  | dear *property* | vn comprehend-87.2-1 «NP V S\_ING»: agent=Experiencer |
| 2 | **pay** | may | Mum | more interest |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent interest=Asset |

<!-- 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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