Real ChatGPT answer · index seedlxAfr9fsxFkcompleteFinance and banking · checking and savings accountscommercial

We have extra cash sitting around, so should we split it between a short term CD and a liquid savings account?

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
We have extra cash sitting around, so should we split it between a short term CD and a liquid savings account?
1 real search · 1 real-search pass
FDIC deposit insurance savings accounts certificates of deposit early withdrawal penalty consumer guidanceGoogle ↗
OBSERVEDReason

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 (1)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
FDIC deposit insurance savings accounts certificates of deposit early withdrawal penalty consumer guidance Google ↗
  1. What is a certificate of deposit (CD)? · consumerfinance.gov
  2. Deposit Insurance · fdic.gov

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FDIC deposit insurance savings accounts certificates of deposit early withdrawal penalty consumer guidance
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1