Real ChatGPT answer · index seedre23NCf4r4IcompleteFinance and banking · checking and savings accountsinformational

If I am choosing between a six month CD and a flexible savings account, which option makes more sense for money I might need before finding a postgrad job?

ChatGPTgpt-61 query10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
If I am choosing between a six month CD and a flexible savings account, which option makes more sense for money I might need before finding a postgrad job?
1 real search · 1 real-search pass
FDIC certificate of deposit early withdrawal penalty savings account liquidity deposit insurance 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 certificate of deposit early withdrawal penalty savings account liquidity deposit insurance consumer guidance Google ↗
  1. What is a certificate of deposit (CD)? · consumerfinance.gov
  2. Deposit Insurance · fdic.gov
  3. Banking and Sending Money Safely · dfs.ny.gov

Queries

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