---
title: If a bank lends £100 to each of 10 people and 3 cannot pay back, it… — What a bank does with your money and why banks l… · tree and pragmatics
description: If a bank lends £100 to each of 10 people and 3 cannot pay back, it loses 3 × £100 = £300. Who acts: bank, 3. A sentence of the lesson «What a bank does with your money and why banks lend» of the money course of Mova's primary school with its dependency tree and the pragmatics of every clause.
---

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# What a bank does with your money and why banks lend, sentence 7

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If a bank lends £100 to each of 10 people and 3 cannot pay back, it loses 3 × £100 = £300.

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**Who acts:** bank, 3 · **What happens:** lend, not pay back, lose · **To what, where:** each

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This is a sentence of the lesson «What a bank does with your money and why banks lend» 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 (bank, 3), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:money:028-what-a-bank-does-with-your-money.lesson:7
# text = If a bank lends £100 to each of 10 people and 3 cannot pay back, it loses 3 × £100 = £300.
# source = school lesson (ours)
# course = money
# lesson = 028-what-a-bank-does-with-your-money.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, R7-rel-agree ×1
1	If	if	SCONJ	IN	_	4	mark	_	_
2	a	a	DET	DT	Definite=Ind|PronType=Art	3	det	_	_
3	bank	bank	NOUN	NN	Number=Sing	4	nsubj	_	_
4	lends	lend	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	20	advcl	_	_
5	£	£	SYM	$	_	4	obj	_	_
6	100	100	NUM	CD	NumForm=Digit|NumType=Card	5	nummod	_	_
7	to	to	ADP	IN	_	8	case	_	_
8	each	each	DET	DT	PronType=Tot	4	obl	_	_
9	of	of	ADP	IN	_	11	case	_	_
10	10	10	NUM	CD	NumForm=Digit|NumType=Card	11	nummod	_	_
11	people	people	NOUN	NNS	Number=Plur	8	nmod	_	_
12	and	and	CCONJ	CC	_	16	cc	_	_
13	3	3	NUM	CD	NumForm=Digit|NumType=Card	16	nsubj	_	_
14	can	can	AUX	MD	VerbForm=Fin	16	aux	_	_
15	not	not	PART	RB	Polarity=Neg	16	advmod	_	_
16	pay	pay	VERB	VB	VerbForm=Inf	4	conj	_	Agree=R5-strong|Haiku=11:conj
17	back	back	ADV	RB	_	16	advmod	_	_
18	,	,	PUNCT	,	_	4	punct	_	_
19	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	20	nsubj	_	_
20	loses	lose	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
21	3	3	NUM	CD	NumForm=Digit|NumType=Card	22	nummod	_	_
22	×	×	SYM	SYM	Number=Sing	23	case	_	Agree=R7-rel-agree|Haiku=23:dep
23	£	£	SYM	$	_	20	obj	_	_
24	100	100	NUM	CD	NumForm=Digit|NumType=Card	23	nummod	_	_
25	=	=	SYM	SYM	_	26	case	_	_
26	£	£	SYM	$	_	23	nmod	_	_
27	300	300	NUM	CD	NumForm=Digit|NumType=Card	26	nummod	_	_
28	.	.	PUNCT	.	_	20	punct	_	_
```

## Pragmatics {#pragmatics}

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No stored speech act for this sentence.

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **lend** *a condition, not said to happen* | present | a bank |  | each |  |  |  | vn give-13.1 «NP V NP PP.recipient»: agent=Agent £=Theme to each=Recipient |
| 2 | **not** **pay back** | can | 3 |  |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent |
| 3 | **lose** | present | bank |  |  |  |  |  | vn succeed-74-3-1 «NP V NP»: agent=Agent £=Eventuality |

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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:money:028-what-a-bank-does-with-your-money.lesson:7`.

**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, 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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