---
title: The safe rules are simple: borrow only what you can pay back, know t… — Debt, loans, credit cards and interest · tree and pragmatics
description: The safe rules are simple: borrow only what you can pay back, know the total you will pay, and if you can't pay it off this month, don't put it on the card. Who acts: safe rules, you. A sentence of the lesson «Debt, loans, credit cards and interest» of the money course of Mova's primary school with 
---

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# Debt, loans, credit cards and interest, sentence 4

<!-- .ven lang=en -->
The safe rules are simple: borrow only what you can pay back, know the total you will pay, and if you can't pay it off this month, don't put it on the card.

<!-- .vintro -->
**Who acts:** safe rules, you · **What happens:** be, borrow, pay back, know, pay, not pay off · **To what, where:** total, card

<!-- .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 (safe rules, 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:4
# text = The safe rules are simple: borrow only what you can pay back, know the total you will pay, and if you can't pay it off this month, don't put it on the card.
# 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): no change
1	The	the	DET	DT	Definite=Def|PronType=Art	3	det	_	_
2	safe	safe	ADJ	JJ	Degree=Pos	3	amod	_	_
3	rules	rule	NOUN	NNS	Number=Plur	5	nsubj	_	_
4	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	5	cop	_	_
5	simple	simple	ADJ	JJ	Degree=Pos	0	root	_	_
6	:	:	PUNCT	:	_	5	punct	_	_
7	borrow	borrow	VERB	VB	VerbForm=Inf	5	parataxis	_	_
8	only	only	ADV	RB	_	9	advmod	_	_
9	what	what	PRON	WP	PronType=Int	7	obj	_	_
10	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	12	nsubj	_	_
11	can	can	AUX	MD	VerbForm=Fin	12	aux	_	_
12	pay	pay	VERB	VB	VerbForm=Inf	9	acl:relcl	_	_
13	back	back	ADV	RB	_	12	advmod	_	_
14	,	,	PUNCT	,	_	15	punct	_	_
15	know	know	VERB	VB	VerbForm=Inf	7	conj	_	_
16	the	the	DET	DT	Definite=Def|PronType=Art	17	det	_	_
17	total	total	NOUN	NN	Number=Sing	15	obj	_	_
18	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	20	nsubj	_	_
19	will	will	AUX	MD	VerbForm=Fin	20	aux	_	_
20	pay	pay	VERB	VB	VerbForm=Inf	17	acl:relcl	_	_
21	,	,	PUNCT	,	_	27	punct	_	_
22	and	and	CCONJ	CC	_	27	cc	_	_
23	if	if	SCONJ	IN	_	27	mark	_	_
24	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	27	nsubj	_	_
25	ca	can	AUX	MD	VerbForm=Fin	27	aux	_	_
26	n't	not	PART	RB	Polarity=Neg	27	advmod	_	_
27	pay	pay	VERB	VB	VerbForm=Inf	15	conj	_	_
28	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	27	obj	_	_
29	off	off	ADP	RP	_	27	compound:prt	_	_
30	this	this	DET	DT	Number=Sing|PronType=Dem	31	det	_	_
31	month	month	NOUN	NN	Number=Sing	27	obl:unmarked	_	_
32	,	,	PUNCT	,	_	35	punct	_	_
33	do	do	AUX	VB	Mood=Imp|VerbForm=Fin	35	aux	_	_
34	n't	not	PART	RB	Polarity=Neg	35	advmod	_	_
35	put	put	VERB	VB	Mood=Imp|VerbForm=Fin	7	conj	_	_
36	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	35	obj	_	_
37	on	on	ADP	IN	_	39	case	_	_
38	the	the	DET	DT	Definite=Def|PronType=Art	39	det	_	_
39	card	card	NOUN	NN	Number=Sing	35	obl	_	_
40	.	.	PUNCT	.	_	5	punct	_	_
```

## Pragmatics {#pragmatics}

<!-- sa -->
- form: statement
- act: assert
- voice: narrator
- polarity: none
- teacher: kept the draft

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | the safe rules |  |  |  |  | simple *property* | tree rules |
| 2 | **borrow** | infinitive |  |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent what=Theme |
| 3 | **pay back** | can | you |  |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent |
| 4 | **know** | infinitive |  | the total |  |  |  |  | vn comprehend-87.2-1-1-1 «NP V NP PP.attribute»: agent=Experiencer total=Stimulus |
| 5 | **pay** | future | you | the total *not said here* |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent total=Asset |
| 6 | **not** **pay off** *a condition, not said to happen* | can | you | total |  |  | month |  | vn pay-68-1 «NP V NP»: agent=Agent it=Asset |
| 7 | **not** **put** | infinitive · do-support |  | total |  | the card |  |  | vn put-9.1-2 «NP V PP.destination NP»: agent=Agent it=Theme on card=Destination |

<!-- .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:4`.

**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): no change. **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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