H-Huang/complex_word_identification huggingface dataset:
For banks unable to raise the funds, the government will provide five-year loans, convertible into shares with an interest rate double the rate on government bonds.
Target word: unable — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: raise — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: funds — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: government — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: convertible — judged complex by 10 of 10 native annotators and 7 of 10 non-native annotators (probability complex: 0.85)
Target word: provide — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: five-year — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: loans — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: convertible into shares — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: shares — judged complex by 0 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.1)
Target word: interest rate — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: government bonds — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: interest — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: rate — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: double — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: rate — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: bonds — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: government — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
The state will have to raise money on debt markets for the loans to the banks, which will be made through an instrument known as contingent convertibles, or CoCos, which carry the risk that the state ends up with ownership of still-troubled banks.
Target word: raise — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: state — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: debt — judged complex by 2 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.15)
Target word: money — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: debt markets — judged complex by 3 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.25)
Target word: instrument — judged complex by 6 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.4)
Target word: markets — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: loans — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: made — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: contingent — judged complex by 2 of 10 native annotators and 6 of 10 non-native annotators (probability complex: 0.4)
Target word: contingent convertibles — judged complex by 8 of 10 native annotators and 4 of 10 non-native annotators (probability complex: 0.6)
Target word: convertibles — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: CoCos — judged complex by 2 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.2)
Target word: ownership — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: carry — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: risk — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: state — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: ends — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: still-troubled — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: still-troubled banks — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Spain announced Friday a drastic reform forcing banks to set aside a new 30-billion-euro ($39 billion) financial cushion and to separate property assets from their balance sheets.
Target word: announced — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: Spain — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: drastic — judged complex by 4 of 10 native annotators and 5 of 10 non-native annotators (probability complex: 0.45)
Target word: Friday — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: drastic reform — judged complex by 5 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.35)
Target word: reform — judged complex by 1 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.15)
Target word: aside — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: forcing — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: set — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: financial cushion — judged complex by 6 of 10 native annotators and 3 of 10 non-native annotators (probability complex: 0.45)
Target word: cushion — judged complex by 1 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.15)
Target word: financial — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: assets — judged complex by 3 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.2)
Target word: separate — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: property — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: balance sheets — judged complex by 2 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.15)
Target word: balance — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: sheets — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
The government will also charge two independent auditing firms with valuing banks' exposure to the collapsed property sector, ministers told a news conference after a cabinet meeting.
Target word: independent — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: government — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: charge — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: independent auditing firms — judged complex by 2 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.1)
Target word: auditing — judged complex by 8 of 10 native annotators and 6 of 10 non-native annotators (probability complex: 0.7)
Target word: auditing firms — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: valuing — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: firms — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: exposure — judged complex by 2 of 10 native annotators and 4 of 10 non-native annotators (probability complex: 0.3)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: collapsed — judged complex by 1 of 10 native annotators and 5 of 10 non-native annotators (probability complex: 0.3)
Target word: collapsed property sector — judged complex by 4 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.25)
Target word: sector — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: property — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: conference — judged complex by 1 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.15)
Target word: ministers — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: told — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: news — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: cabinet — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: cabinet meeting — judged complex by 2 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.1)
Target word: meeting — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Earlier, financial sources had suggested the reform could be partly delayed to allow more time for negotiations between the government and major banks.
Target word: Earlier — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: financial — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: financial sources — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: suggested — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: sources — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: reform — judged complex by 2 of 10 native annotators and 4 of 10 non-native annotators (probability complex: 0.3)
Target word: partly delayed — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: delayed — judged complex by 1 of 10 native annotators and 3 of 10 non-native annotators (probability complex: 0.2)
Target word: partly — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: negotiations — judged complex by 10 of 10 native annotators and 5 of 10 non-native annotators (probability complex: 0.75)
Target word: time — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: government — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: major — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Spain is set to intensify the clean-up of its banks on Friday after difficult last-minute talks between the government and lenders on details of planned financial system reforms.
Target word: intensify — judged complex by 7 of 10 native annotators and 7 of 10 non-native annotators (probability complex: 0.7)
Target word: Spain — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: set — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: intensify the clean-up — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: clean-up — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: clean-up of its banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: last-minute — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: Friday — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: difficult — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: lenders — judged complex by 1 of 10 native annotators and 4 of 10 non-native annotators (probability complex: 0.25)
Target word: talks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: government — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: financial — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: details — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: planned — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: financial system — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: financial system reforms — judged complex by 3 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.15)
Target word: reforms — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: system — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
At its weekly cabinet meeting, the government will approve a plan to force banks to park their toxic real estate assets in holding companies that would later sell them off, a move that could deepen losses for the lenders.
Target word: cabinet — judged complex by 3 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.15)
Target word: weekly — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: cabinet meeting — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: to park — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: meeting — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: government — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: approve — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: plan — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: force — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: toxic — judged complex by 3 of 10 native annotators and 4 of 10 non-native annotators (probability complex: 0.35)
Target word: park — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: toxic real estate assets — judged complex by 2 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.2)
Target word: real estate assets — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: estate — judged complex by 0 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.1)
Target word: real — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: assets — judged complex by 2 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.15)
Target word: holding companies — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: deepen — judged complex by 0 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.1)
Target word: holding — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: companies — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: sell — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: move — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
At its weekly cabinet meeting, the government will approve a plan to force banks to park their toxic real estate assets in holding companies that would later sell them off, a move that could deepen losses for the lenders.
Target word: deepen losses — judged complex by 1 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.1)
Target word: lenders — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: losses — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
The cabinet is also expected to demand banks to set aside a further 35 billion euros (27.9 billion pounds) to cover sound loans in their real estate portfolios.
Target word: cabinet — judged complex by 2 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.15)
Target word: expected to demand — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: demand — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: expected — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: set aside — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: sound loans — judged complex by 3 of 10 native annotators and 2 of 10 non-native annotators (probability complex: 0.25)
Target word: set — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: euros — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: pounds — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: cover — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: real estate portfolios — judged complex by 4 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.2)
Target word: sound — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: loans — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: estate portfolios — judged complex by 0 of 10 native annotators and 1 of 10 non-native annotators (probability complex: 0.05)
Target word: real — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: portfolios — judged complex by 3 of 10 native annotators and 6 of 10 non-native annotators (probability complex: 0.45)
Target word: estate — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
The government has already obliged banks to make provisions of 54 billion euros to cover bad assets.
Target word: obliged — judged complex by 6 of 10 native annotators and 6 of 10 non-native annotators (probability complex: 0.6)
Target word: government — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: provisions — judged complex by 8 of 10 native annotators and 3 of 10 non-native annotators (probability complex: 0.55)
Target word: banks — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: make — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: bad assets — judged complex by 1 of 10 native annotators and 3 of 10 non-native annotators (probability complex: 0.2)
Target word: euros — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: cover — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)
Target word: assets — judged complex by 1 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.05)
Target word: bad — judged complex by 0 of 10 native annotators and 0 of 10 non-native annotators (probability complex: 0.0)