Real ChatGPT answer · index seedxW0FvPwW48YcompleteAutomotive · car buying processcomparison

We need to compare loan refinance offers from Capital One and PenFed to see which one has fewer hidden fees for paying off our family minivan early

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
We need to compare loan refinance offers from Capital One and PenFed to see which one has fewer hidden fees for paying off our family minivan early
2 real searches · 1 real-search pass
Capital One auto refinance fees prepayment penalty official auto finance refinance policyGoogle ↗
OBSERVEDConsequence
PenFed auto loan refinance fees prepayment penalty officialGoogle ↗
OBSERVEDConsequence

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 (2)
Short factOther / navigationalComparisonConsequence100%ReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
Capital One auto refinance fees prepayment penalty official auto finance refinance policy Google ↗
PenFed auto loan refinance fees prepayment penalty official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Capital One auto refinance fees prepayment penalty official auto finance refinance policy
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
PenFed auto loan refinance fees prepayment penalty official
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1