(S (S (NP (BASENP (JJ Fluctuating) (NN interest) (NNS rates)) (PP (IN on) (BASENP (NN credit) (NNS cards)))) (VP (MD would) (VP (PRN (COMMA ,) (PP (IN on) (BASENP (DT the) (NN surface))) (COMMA ,)) (VP (VB appear) (S (VP (TO to) (VP (VB violate) (BASENP (DT this) (NN act))))))))) (PERIOD .))