---
title: Interest is the price of using someone else's money, and a small cha… — Borrowing and debt · tree and pragmatics
description: Interest is the price of using someone else's money, and a small charge every year adds up to a lot over many years. Who acts: Interest, price, small charge. A sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school with its dependency tree and the pragmatics of
---

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# Borrowing and debt, sentence 15

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Interest is the price of using someone else's money, and a small charge every year adds up to a lot over many years.

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**Who acts:** Interest, price, small charge · **What happens:** be, use, add up · **To what, where:** price, money

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This is a sentence of the lesson «Borrowing and debt» 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 (Interest, price, small charge), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:008-borrowing-and-debt.lesson:15
# text = Interest is the price of using someone else's money, and a small charge every year adds up to a lot over many years.
# source = school lesson (ours)
# course = adult-life
# lesson = 008-borrowing-and-debt.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
1	Interest	interest	NOUN	NN	Number=Sing	4	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
4	price	price	NOUN	NN	Number=Sing	0	root	_	_
5	of	of	SCONJ	IN	_	6	mark	_	_
6	using	use	VERB	VBG	VerbForm=Ger	4	acl	_	_
7	someone	someone	PRON	NN	Number=Sing|PronType=Ind	10	nmod:poss	_	_
8	else	else	ADV	RB	_	7	advmod	_	_
9	's	's	PART	POS	_	7	case	_	_
10	money	money	NOUN	NN	Number=Sing	6	obj	_	_
11	,	,	PUNCT	,	_	18	punct	_	_
12	and	and	CCONJ	CC	_	18	cc	_	_
13	a	a	DET	DT	Definite=Ind|PronType=Art	15	det	_	_
14	small	small	ADJ	JJ	Degree=Pos	15	amod	_	_
15	charge	charge	NOUN	NN	Number=Sing	18	nsubj	_	_
16	every	every	DET	DT	PronType=Tot	17	det	_	_
17	year	year	NOUN	NN	Number=Sing	15	nmod	_	Agree=R5-strong|Haiku=18:obl:unmarked
18	adds	add	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	conj	_	_
19	up	up	ADP	RP	_	18	compound:prt	_	_
20	to	to	ADP	IN	_	22	case	_	_
21	a	a	DET	DT	Definite=Ind|PronType=Art	22	det	_	_
22	lot	lot	NOUN	NN	Number=Sing	18	obl	_	_
23	over	over	ADV	RB	_	24	advmod	_	_
24	many	many	ADJ	JJ	Degree=Pos	25	amod	_	_
25	years	year	NOUN	NNS	Number=Plur	22	nmod	_	_
26	.	.	PUNCT	.	_	4	punct	_	_
```

## Pragmatics {#pragmatics}

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No stored speech act for this sentence.

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| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | Interest | the price |  |  |  |  | tree rules |
| 2 | **use** | gerund | the price *not said here* | someone's money |  |  |  |  | vn eat-39.1 «NP V NP»: agent=Agent money=Patient |
| 3 | **add up** *speech: assert* | present | a small charge  every year |  |  |  |  | to a lot  many years | vn mix-22.1-2 «NP V ADVP-Middle PP»: agent=Patient to lot=Co-Patient |

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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:008-borrowing-and-debt.lesson:15`.

**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. **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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