---
title: Picture Lucy borrowing £5 from her brother, who says, "Pay me back £… — Debt, loans, credit cards and interest · tree and pragmatics
description: Picture Lucy borrowing £5 from her brother, who says, "Pay me back £6 or I'm telling Mum!": that extra £1 is interest, and on a fiver it is a lot, a whole fifth of what she borrowed. Who acts: you, brother, interest, Mum. A sentence of the lesson «Debt, loans, credit cards and interest» of the money
---

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# Debt, loans, credit cards and interest, sentence 2

<!-- .ven lang=en -->
Picture Lucy borrowing £5 from her brother, who says, "Pay me back £6 or I'm telling Mum!": that extra £1 is interest, and on a fiver it is a lot, a whole fifth of what she borrowed.

<!-- .vintro -->
**Who acts:** you, brother, interest, Mum · **What happens:** picture, borrow, say, pay back, tell, be · **To what, where:** Lucy, 6, brother, Mum, interest, lot · **Speech:** someone speaks here

<!-- .vabout -->
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, brother, interest, Mum), 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:2
# text = Picture Lucy borrowing £5 from her brother, who says, "Pay me back £6 or I'm telling Mum!": that extra £1 is interest, and on a fiver it is a lot, a whole fifth of what she borrowed.
# 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): R1-cc-next ×1, R5-strong ×2, R7-rel-agree ×2, R8-pos-agree ×2
1	Picture	picture	VERB	VB	Mood=Imp|VerbForm=Fin	0	root	_	_
2	Lucy	Lucy	PROPN	NNP	Number=Sing	1	obj	_	Agree=R8-pos-agree|Haiku=1:obj|HaikuPos=NOUN:NN:Number=Sing
3	borrowing	borrow	VERB	VBG	VerbForm=Ger	1	xcomp	_	Agree=R5-strong|Haiku=2:acl
4	£	£	SYM	$	_	3	obj	_	_
5	5	5	NUM	CD	NumForm=Digit|NumType=Card	4	nummod	_	_
6	from	from	ADP	IN	_	8	case	_	_
7	her	her	PRON	PRP$	Case=Gen|Gender=Fem|Number=Sing|Person=3|Poss=Yes|PronType=Prs	8	nmod:poss	_	_
8	brother	brother	NOUN	NN	Number=Sing	3	obl	_	_
9	,	,	PUNCT	,	_	11	punct	_	_
10	who	who	PRON	WP	PronType=Rel	11	nsubj	_	_
11	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	8	acl:relcl	_	_
12	,	,	PUNCT	,	_	14	punct	_	_
13	"	"	PUNCT	``	_	14	punct	_	_
14	Pay	pay	VERB	VB	Mood=Imp|VerbForm=Fin	11	ccomp	_	_
15	me	I	PRON	PRP	Case=Acc|Number=Sing|Person=1|PronType=Prs	14	iobj	_	Agree=R7-rel-agree|Haiku=14:obj
16	back	back	ADP	RP	_	14	compound:prt	_	Agree=R7-rel-agree|Haiku=14:advmod|HaikuPos=ADV:RB:_
17	£	£	ADV	RB	_	18	advmod	_	_
18	6	6	NUM	CD	NumForm=Digit|NumType=Card	14	obj	_	_
19	or	or	CCONJ	CC	_	22	cc	_	_
20	I	I	PRON	PRP	Case=Nom|Number=Sing|Person=1|PronType=Prs	22	nsubj	_	_
21	'm	be	AUX	VBP	Mood=Ind|Number=Sing|Person=1|Tense=Pres|VerbForm=Fin	22	aux	_	_
22	telling	tell	VERB	VBG	Tense=Pres|VerbForm=Part	14	conj	_	_
23	Mum	mum	NOUN	NN	Number=Sing	22	obj	_	_
24	!	!	PUNCT	.	_	14	punct	_	_
25	"	"	PUNCT	''	_	14	punct	_	_
26	:	:	PUNCT	:	_	28	punct	_	_
27	that	that	PRON	DT	Number=Sing|PronType=Dem	29	nsubj	_	_
28	extra	extra	ADJ	JJ	Degree=Pos	29	amod	_	_
29	£	£	SYM	$	_	32	nsubj	_	_
30	1	1	NUM	CD	NumForm=Digit|NumType=Card	29	nummod	_	_
31	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	32	cop	_	_
32	interest	interest	NOUN	NN	Number=Sing	1	parataxis	_	_
33	,	,	PUNCT	,	_	32	punct	_	_
34	and	and	CCONJ	CC	_	41	cc	_	Agree=R1-cc-next|Haiku=32:cc
35	on	on	ADP	IN	_	37	case	_	_
36	a	a	DET	DT	Definite=Ind|PronType=Art	37	det	_	_
37	fiver	fiver	NOUN	NN	Number=Sing	41	obl	_	_
38	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	41	nsubj	_	_
39	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	41	cop	_	_
40	a	a	DET	DT	Definite=Ind|PronType=Art	41	det	_	_
41	lot	lot	NOUN	NN	Number=Sing	32	conj	_	_
42	,	,	PUNCT	,	_	45	punct	_	_
43	a	a	DET	DT	Definite=Ind|PronType=Art	45	det	_	_
44	whole	whole	ADJ	JJ	Degree=Pos	45	amod	_	_
45	fifth	fifth	NOUN	NN	Number=Sing	41	appos	_	Agree=R5-strong|Haiku=37:conj
46	of	of	ADP	IN	_	47	case	_	_
47	what	what	PRON	WP	PronType=Rel	45	nmod	_	_
48	she	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	49	nsubj	_	_
49	borrowed	borrow	VERB	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	47	acl:relcl	_	Agree=R8-pos-agree|Haiku=47:acl:relcl|HaikuPos=VERB:VBN:Tense=Past|VerbForm=Part|Voice=Pass
50	.	.	PUNCT	.	_	1	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 | **picture** | imperative | you *not said here* | Lucy |  |  |  |  | vn characterize-29.2 «NP V NP to be ADJ»: agent=Agent lucy=Theme clause=Attribute |
| 2 | **borrow** | gerund | you *not said here* |  |  |  |  | from Lucy's brother | vn obtain-13.5.2 «NP V NP PP.source»: agent=Agent £=Theme from brother=Source |
| 3 | **say** *speech: express* | present | Lucy's brother |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic |
| 4 | **pay back** *in a quote* | infinitive |  | 6 | Lucy's brother *= brother* |  |  |  | vn pay-68-1 «NP V NP NP»: agent=Agent i=Recipient 6=Asset |
| 5 | **tell** *speech: assert* *in a quote* | present · progressive | Lucy's brother *= brother* |  | Mum |  |  |  | vn transfer\_mesg-37.1.1-1-1 «NP V NP.recipient»: agent=Agent mum=Recipient |
| 6 | **is a** | present |  | interest and a lot |  |  |  |  | tree rules |
| 7 | **is a** | present | interest | a lot |  | a fiver |  |  | tree rules |
| 8 | **borrow** | past | Mum |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=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.

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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:2`.

**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): R1-cc-next ×1, R5-strong ×2, R7-rel-agree ×2, R8-pos-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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