---
title: Borrowing costs extra: if you borrow £40 and pay back £46, the extra… — Olympiad: plans in order and money sums ★★★ · tree and pragmatics
description: Borrowing costs extra: if you borrow £40 and pay back £46, the extra £6 is interest, while saving up first costs nothing extra. Who acts: you, saving. A sentence of the lesson «Olympiad: plans in order and money sums ★★★» of the adult life course of Mova's primary school with its dependency tree and
---

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# Olympiad: plans in order and money sums ★★★, sentence 13

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Borrowing costs extra: if you borrow £40 and pay back £46, the extra £6 is interest, while saving up first costs nothing extra.

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**Who acts:** you, saving · **What happens:** borrow, pay back, be, save up, cost · **To what, where:** costs, £ 46, extra interest, nothing

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This is a sentence of the lesson «Olympiad: plans in order and money sums ★★★» of the adult life course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (you, saving), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:062-olympiad-plans-in-order-and-money-sums.lesson:13
# text = Borrowing costs extra: if you borrow £40 and pay back £46, the extra £6 is interest, while saving up first costs nothing extra.
# source = school lesson (ours)
# course = adult-life
# lesson = 062-olympiad-plans-in-order-and-money-sums.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R5-strong ×1, R7-rel-agree ×2
1	Borrowing	borrow	VERB	VBG	Tense=Pres|VerbForm=Part	21	advcl	_	_
2	costs	cost	NOUN	NNS	Number=Plur	1	obj	_	_
3	extra	extra	ADJ	JJ	Degree=Pos	2	amod	_	_
4	:	:	PUNCT	:	_	7	punct	_	_
5	if	if	SCONJ	IN	_	7	mark	_	_
6	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	7	nsubj	_	_
7	borrow	borrow	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	1	advcl	_	_
8	£	£	SYM	$	_	7	obj	_	_
9	40	40	NUM	CD	NumForm=Digit|NumType=Card	8	nummod	_	_
10	and	and	CCONJ	CC	_	11	cc	_	_
11	pay	pay	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	7	conj	_	_
12	back	back	ADV	RB	_	11	advmod	_	_
13	£	£	SYM	$	_	14	compound	_	_
14	46	46	NUM	CD	NumForm=Digit|NumType=Card	11	obj	_	_
15	,	,	PUNCT	,	_	1	punct	_	_
16	the	the	DET	DT	Definite=Def|PronType=Art	21	det	_	_
17	extra	extra	ADJ	JJ	Degree=Pos	21	amod	_	_
18	£	£	SYM	$	_	21	nsubj	_	Agree=R7-rel-agree|Haiku=21:compound
19	6	6	NUM	CD	NumForm=Digit|NumType=Card	18	nummod	_	_
20	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	21	cop	_	_
21	interest	interest	NOUN	NN	Number=Sing	0	root	_	_
22	,	,	PUNCT	,	_	24	punct	_	_
23	while	while	SCONJ	IN	_	27	mark	_	_
24	saving	save	VERB	VBG	VerbForm=Ger	27	csubj	_	Agree=R7-rel-agree|Haiku=27:nsubj
25	up	up	ADP	RP	_	24	compound:prt	_	_
26	first	first	ADV	RB	NumForm=Word|NumType=Ord	24	advmod	_	Agree=R5-strong|Haiku=27:advmod
27	costs	cost	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	21	advcl	_	_
28	nothing	nothing	PRON	NN	Number=Sing|PronType=Neg	27	obj	_	_
29	extra	extra	ADJ	JJ	Degree=Pos	28	amod	_	_
30	.	.	PUNCT	.	_	21	punct	_	_
```

## Pragmatics {#pragmatics}

<!-- .note -->
No stored speech act for this sentence.

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **borrow** | gerund |  | costs |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent cost=Theme |
| 2 | **borrow** *a condition, not said to happen* | present | you |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent £=Theme |
| 3 | **pay back** | present | you *not said here* | £ 46 |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent 46=Asset |
| 4 | **is a** | present |  | the extra interest |  |  |  |  | tree rules |
| 5 | **save up** | gerund |  |  |  |  |  | first *property* | vn get-13.5.1-1 «NP V NP»: agent=Agent |
| 6 | **cost** | present | saving | nothing |  |  |  |  | vn cost-54.2 «NP V NP.value»: agent=Theme nothing=Value |

<!-- .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.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:adult-life:062-olympiad-plans-in-order-and-money-sums.lesson:13`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R5-strong ×1, R7-rel-agree ×2. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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- ← previous: [Olympiad: plans in order and money sum…, 12](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/62-olympiad-plans-in-order-and-money-sums/12/)
- next →: [Olympiad: plans in order and money sum…, 16](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/62-olympiad-plans-in-order-and-money-sums/16/)
- ↑ back to [the lesson](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/62-olympiad-plans-in-order-and-money-sums/)

