---
title: To borrow is to take money now and promise to give it back later; th… — Debt, loans, credit cards and interest · tree and pragmatics
description: To borrow is to take money now and promise to give it back later; the money you still owe is called debt. Who acts: you. A sentence of the lesson «Debt, loans, credit cards and interest» of the money course of Mova's primary school with its dependency tree and the pragmatics of every clause.
---

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# Debt, loans, credit cards and interest, sentence 0

<!-- .ven lang=en -->
To borrow is to take money now and promise to give it back later; the money you still owe is called debt.

<!-- .vintro -->
**Who acts:** you · **What happens:** borrow, be, take, promise, give back, owe · **To what, where:** money · **Speech:** someone speaks here

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This is a sentence of the lesson «Debt, loans, credit cards and interest» of the money 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), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:money:024-debt-loans-credit-cards-and-interest.lesson:0
# text = To borrow is to take money now and promise to give it back later; the money you still owe is called debt.
# source = school lesson (ours)
# course = money
# lesson = 024-debt-loans-credit-cards-and-interest.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 ×2
1	To	to	PART	TO	_	2	mark	_	_
2	borrow	borrow	VERB	VB	VerbForm=Inf	3	csubj	_	_
3	is	be	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	to	to	PART	TO	_	5	mark	_	_
5	take	take	VERB	VB	VerbForm=Inf	3	xcomp	_	_
6	money	money	NOUN	NN	Number=Sing	5	obj	_	_
7	now	now	ADV	RB	_	5	advmod	_	_
8	and	and	CCONJ	CC	_	9	cc	_	_
9	promise	promise	VERB	VB	_	5	conj	_	Agree=R5-strong|Haiku=3:conj
10	to	to	PART	TO	_	11	mark	_	_
11	give	give	VERB	VB	VerbForm=Inf	9	xcomp	_	_
12	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	11	obj	_	_
13	back	back	ADV	RB	_	11	advmod	_	Agree=R5-strong|Haiku=14:advmod
14	later	late	ADV	RBR	Degree=Cmp	11	advmod	_	_
15	;	;	PUNCT	:	_	22	punct	_	_
16	the	the	DET	DT	Definite=Def|PronType=Art	17	det	_	_
17	money	money	NOUN	NN	Number=Sing	22	nsubj:pass	_	_
18	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	20	nsubj	_	_
19	still	still	ADV	RB	_	20	advmod	_	_
20	owe	owe	VERB	VBP	Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin	17	acl:relcl	_	_
21	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	22	aux:pass	_	_
22	called	call	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	3	parataxis	_	_
23	debt	debt	NOUN	NN	Number=Sing	22	xcomp	_	_
24	.	.	PUNCT	.	_	23	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** | to-infinitive |  |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 2 | **be** | present |  |  |  |  |  |  | tree rules |
| 3 | **take** | to-infinitive |  | money |  |  | now |  | vn bring-11.3 «NP V NP»: agent=Agent money=Theme |
| 4 | **promise** *speech: promise* | infinitive |  |  |  |  |  |  | vn promise-37.13 «NP V that S»: agent=Agent clause=Topic |
| 5 | **give back** *not said to happen* | to-infinitive |  | money |  |  |  | late *property* | vn give-13.1 «NP V NP»: agent=Agent it=Theme |
| 6 | **owe** | present | you | the money *not said here* |  |  | still |  | vn future\_having-13.3 «NP V NP.theme (PP)»: agent=Agent money=Theme |
| 7 | **call** | present · passive |  | the money |  |  |  |  | vn initiate\_communication-37.4.2-1 «NP V NP.recipient»: subject=Recipient |

<!-- .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:money:024-debt-loans-credit-cards-and-interest.lesson:0`.

**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 ×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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