---
title: Compound interest means you earn interest on the interest, so saving… — Cards, banks and apps · tree and pragmatics
description: Compound interest means you earn interest on the interest, so savings grow faster over many years, and unpaid debts grow the same way. Who acts: Compound interest, you, savings, unpaid debts. A sentence of the lesson «Cards, banks and apps» of the adult life course of Mova's primary school with its 
---

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# Cards, banks and apps, sentence 14

<!-- .ven lang=en -->
Compound interest means you earn interest on the interest, so savings grow faster over many years, and unpaid debts grow the same way.

<!-- .vintro -->
**Who acts:** Compound interest, you, savings, unpaid debts · **What happens:** mean, earn, grow · **To what, where:** interest, same way · **Speech:** someone speaks here

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This is a sentence of the lesson «Cards, banks and apps» 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 (Compound interest, you, savings, unpaid debts), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:007-cards-banks-and-apps.lesson:14
# text = Compound interest means you earn interest on the interest, so savings grow faster over many years, and unpaid debts grow the same way.
# source = school lesson (ours)
# course = adult-life
# lesson = 007-cards-banks-and-apps.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 ×4, R7-rel-agree ×1
1	Compound	compound	ADJ	JJ	Degree=Pos	2	amod	_	Agree=R7-rel-agree|Haiku=2:compound|HaikuPos=NOUN:NN:Number=Sing
2	interest	interest	NOUN	NN	Number=Sing	3	nsubj	_	_
3	means	mean	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	you	you	PRON	PRP	Case=Acc|Person=2|PronType=Prs	5	nsubj	_	Agree=R5-strong|Haiku=3:obj
5	earn	earn	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	3	ccomp	_	Agree=R5-strong|Haiku=6:compound|HaikuPos=NOUN:NN:Number=Sing
6	interest	interest	NOUN	NN	Number=Sing	5	obj	_	Agree=R5-strong|Haiku=3:obj
7	on	on	ADP	IN	_	9	case	_	_
8	the	the	DET	DT	Definite=Def|PronType=Art	9	det	_	_
9	interest	interest	NOUN	NN	Number=Sing	6	nmod	_	_
10	,	,	PUNCT	,	_	13	punct	_	_
11	so	so	ADV	RB	_	13	advmod	_	_
12	savings	savings	NOUN	NNS	Number=Ptan	13	nsubj	_	_
13	grow	grow	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	3	conj	_	_
14	faster	fast	ADV	RBR	Degree=Cmp	13	advmod	_	_
15	over	over	ADP	IN	_	17	case	_	_
16	many	many	ADJ	JJ	Degree=Pos	17	amod	_	_
17	years	year	NOUN	NNS	Number=Plur	13	obl	_	_
18	,	,	PUNCT	,	_	22	punct	_	_
19	and	and	CCONJ	CC	_	22	cc	_	_
20	unpaid	unpaid	ADJ	JJ	Degree=Pos	21	amod	_	_
21	debts	debt	NOUN	NNS	Number=Plur	22	nsubj	_	_
22	grow	grow	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	13	conj	_	Agree=R5-strong|Haiku=3:conj
23	the	the	DET	DT	Definite=Def|PronType=Art	25	det	_	_
24	same	same	ADJ	JJ	Degree=Pos	25	amod	_	_
25	way	way	NOUN	NN	Number=Sing	22	obl:unmarked	_	_
26	.	.	PUNCT	.	_	3	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 | **mean** | present | Compound interest |  |  |  |  |  | vn intend-61.2-1 «NP V S»: agent=Agent clause=Topic |
| 2 | **earn** | present | you | interest |  | the interest |  |  | vn get-13.5.1-1 «NP V NP PP.source»: agent=Agent interest=Theme on interest=Source |
| 3 | **grow** | present | savings |  |  |  | year | fast *property* | vn appear-48.1.1 «NP V»: agent=Theme |
| 4 | **grow** | present | unpaid debts | the same way |  |  |  |  | vn appear-48.1.1 «NP V»: agent=Theme |

<!-- .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:007-cards-banks-and-apps.lesson:14`.

**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 ×4, R7-rel-agree ×1. **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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