Real ChatGPT answer · index seedVnsqM7zhESIcompleteFinance and banking · investing and brokeragescomparison

Looking at high yield savings accounts versus short term Treasury bills on Treasury Direct which is safer for our house down payment fund

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Looking at high yield savings accounts versus short term Treasury bills on Treasury Direct which is safer for our house down payment fund
3 real searches · 1 real-search pass
FDIC deposit insurance $250,000 per depositor per insured bank ownership category officialGoogle ↗
OBSERVEDDefinition
TreasuryDirect Treasury bills early redemption marketability 4 week 8 week 13 week 26 week officialGoogle ↗
OBSERVEDOther / navigational
Treasury bills interest state and local income tax exempt federal taxable IRSGoogle ↗
OBSERVEDYes / no

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short factOther / navigational33%ComparisonConsequenceReasonDefinition33%InstructionYes / no33%

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
FDIC deposit insurance $250,000 per depositor per insured bank ownership category official Google ↗
TreasuryDirect Treasury bills early redemption marketability 4 week 8 week 13 week 26 week official Google ↗
Treasury bills interest state and local income tax exempt federal taxable IRS Google ↗
  1. Treasury Bills · treasurydirect.gov
  2. Selling a Treasury Marketable Security · treasurydirect.gov
  3. Publication 17 (2025), Your Federal Income Tax · irs.gov
  4. Tax Forms and Tax Withholding · treasurydirect.gov

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC deposit insurance $250,000 per depositor per insured bank ownership category official
OBSERVED
Google ↗
AI Mode ↗
—Definition——1x
of 1
TreasuryDirect Treasury bills early redemption marketability 4 week 8 week 13 week 26 week official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
Treasury bills interest state and local income tax exempt federal taxable IRS
OBSERVED
Google ↗
AI Mode ↗
—Yes / no——1x
of 1