{
 "name": "State of the Answers - Question Panel",
 "version": "1.0",
 "frozen": "2026-07-07",
 "publisher": "Competitive Compass",
 "scope": "US consumer retail banking. Consumer only, no small business.",
 "counts_target": {
  "Cards": 100,
  "Deposits": 75,
  "Lending": 55,
  "Investing": 20
 },
 "intents": {
  "REC": "recommendation",
  "CMP": "comparison",
  "BRD": "single brand",
  "HOW": "how to",
  "DEF": "definitional",
  "FCT": "factual"
 },
 "questions": [
  {
   "id": "SA-001",
   "category": "Cards",
   "subcategory": "cash back",
   "intent": "REC",
   "question": "What is the best cash back credit card right now?"
  },
  {
   "id": "SA-002",
   "category": "Cards",
   "subcategory": "cash back",
   "intent": "REC",
   "question": "What is the best flat-rate cash back credit card?"
  },
  {
   "id": "SA-003",
   "category": "Cards",
   "subcategory": "cash back",
   "intent": "REC",
   "question": "Which credit card gives the most cash back on groceries?"
  },
  {
   "id": "SA-004",
   "category": "Cards",
   "subcategory": "cash back",
   "intent": "REC",
   "question": "What is the best cash back card with no annual fee?"
  },
  {
   "id": "SA-005",
   "category": "Cards",
   "subcategory": "cash back",
   "intent": "REC",
   "question": "Which credit card is best for gas and groceries?"
  },
  {
   "id": "SA-006",
   "category": "Cards",
   "subcategory": "cash back",
   "intent": "REC",
   "question": "What credit card should I use for everyday spending?"
  },
  {
   "id": "SA-007",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "What is the best travel credit card?"
  },
  {
   "id": "SA-008",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "What is the best travel credit card for beginners?"
  },
  {
   "id": "SA-009",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "Which premium travel credit card is worth the annual fee?"
  },
  {
   "id": "SA-010",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "What is the best credit card for airport lounge access?"
  },
  {
   "id": "SA-011",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "Which credit card is best for international travel?"
  },
  {
   "id": "SA-012",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "What is the best airline credit card?"
  },
  {
   "id": "SA-013",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "What is the best hotel credit card?"
  },
  {
   "id": "SA-014",
   "category": "Cards",
   "subcategory": "travel",
   "intent": "REC",
   "question": "Which credit card has the best travel rewards with no annual fee?"
  },
  {
   "id": "SA-015",
   "category": "Cards",
   "subcategory": "starter",
   "intent": "REC",
   "question": "What is the best first credit card?"
  },
  {
   "id": "SA-016",
   "category": "Cards",
   "subcategory": "starter",
   "intent": "REC",
   "question": "What is the best credit card for a college student?"
  },
  {
   "id": "SA-017",
   "category": "Cards",
   "subcategory": "starter",
   "intent": "REC",
   "question": "What is the best secured credit card?"
  },
  {
   "id": "SA-018",
   "category": "Cards",
   "subcategory": "starter",
   "intent": "REC",
   "question": "What is the best credit card for building credit?"
  },
  {
   "id": "SA-019",
   "category": "Cards",
   "subcategory": "starter",
   "intent": "REC",
   "question": "Which credit card is easiest to get approved for?"
  },
  {
   "id": "SA-020",
   "category": "Cards",
   "subcategory": "starter",
   "intent": "REC",
   "question": "What is the best credit card for someone with no credit history?"
  },
  {
   "id": "SA-021",
   "category": "Cards",
   "subcategory": "balance transfer / APR",
   "intent": "REC",
   "question": "What is the best balance transfer credit card?"
  },
  {
   "id": "SA-022",
   "category": "Cards",
   "subcategory": "balance transfer / APR",
   "intent": "REC",
   "question": "Which credit card has the longest 0 percent APR period?"
  },
  {
   "id": "SA-023",
   "category": "Cards",
   "subcategory": "balance transfer / APR",
   "intent": "REC",
   "question": "What is the best 0 percent APR credit card for purchases?"
  },
  {
   "id": "SA-024",
   "category": "Cards",
   "subcategory": "balance transfer / APR",
   "intent": "REC",
   "question": "What is the best credit card for paying down debt?"
  },
  {
   "id": "SA-025",
   "category": "Cards",
   "subcategory": "credit tier",
   "intent": "REC",
   "question": "What is the best credit card for bad credit?"
  },
  {
   "id": "SA-026",
   "category": "Cards",
   "subcategory": "credit tier",
   "intent": "REC",
   "question": "What is the best credit card for fair credit?"
  },
  {
   "id": "SA-027",
   "category": "Cards",
   "subcategory": "credit tier",
   "intent": "REC",
   "question": "What is the best credit card for a 650 credit score?"
  },
  {
   "id": "SA-028",
   "category": "Cards",
   "subcategory": "credit tier",
   "intent": "REC",
   "question": "What is the best credit card for excellent credit?"
  },
  {
   "id": "SA-029",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for dining and restaurants?"
  },
  {
   "id": "SA-030",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for streaming subscriptions?"
  },
  {
   "id": "SA-031",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for Amazon purchases?"
  },
  {
   "id": "SA-032",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for online shopping?"
  },
  {
   "id": "SA-033",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for big purchases?"
  },
  {
   "id": "SA-034",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for young professionals?"
  },
  {
   "id": "SA-035",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for families?"
  },
  {
   "id": "SA-036",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best credit card for retirees?"
  },
  {
   "id": "SA-037",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "Which credit card should I get as my second card?"
  },
  {
   "id": "SA-038",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What are the best credit cards of 2026?"
  },
  {
   "id": "SA-039",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the most rewarding credit card overall?"
  },
  {
   "id": "SA-040",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "Which credit card has the best sign-up bonus right now?"
  },
  {
   "id": "SA-041",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best no-annual-fee credit card of 2026?"
  },
  {
   "id": "SA-042",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What are the best store credit cards worth getting?"
  },
  {
   "id": "SA-043",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "Which credit union credit cards are best?"
  },
  {
   "id": "SA-044",
   "category": "Cards",
   "subcategory": "category",
   "intent": "REC",
   "question": "What is the best metal credit card?"
  },
  {
   "id": "SA-045",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Chase Sapphire Preferred or Capital One Venture: which is better?"
  },
  {
   "id": "SA-046",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Amex Gold or Chase Sapphire Preferred for dining?"
  },
  {
   "id": "SA-047",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Amex Platinum or Chase Sapphire Reserve: which premium card wins?"
  },
  {
   "id": "SA-048",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Citi Double Cash or Wells Fargo Active Cash: which flat-rate card is better?"
  },
  {
   "id": "SA-049",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Capital One Venture X or Amex Platinum?"
  },
  {
   "id": "SA-050",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Discover it or Capital One Quicksilver for cash back?"
  },
  {
   "id": "SA-051",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Apple Card or a regular cash back card: which is better?"
  },
  {
   "id": "SA-052",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Chase Freedom Unlimited or Citi Double Cash?"
  },
  {
   "id": "SA-053",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Amex Blue Cash Preferred or Citi Custom Cash for groceries?"
  },
  {
   "id": "SA-054",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Capital One or Chase: whose credit cards are better overall?"
  },
  {
   "id": "SA-055",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Is the Chase trifecta or the Amex trifecta better?"
  },
  {
   "id": "SA-056",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Bilt or a traditional rewards card for renters?"
  },
  {
   "id": "SA-057",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Discover or Capital One for a first credit card?"
  },
  {
   "id": "SA-058",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "United Explorer or Delta SkyMiles Gold: which airline card is better?"
  },
  {
   "id": "SA-059",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Marriott Bonvoy or Hilton Honors credit card?"
  },
  {
   "id": "SA-060",
   "category": "Cards",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Which is better for cash back: Amex, Chase, or Citi?"
  },
  {
   "id": "SA-061",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Chase Sapphire Preferred worth it?"
  },
  {
   "id": "SA-062",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Amex Platinum worth the annual fee?"
  },
  {
   "id": "SA-063",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Capital One Venture X worth it in 2026?"
  },
  {
   "id": "SA-064",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Apple Card any good?"
  },
  {
   "id": "SA-065",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Amex Gold card worth it for groceries?"
  },
  {
   "id": "SA-066",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Chase Sapphire Reserve still worth it?"
  },
  {
   "id": "SA-067",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Citi Double Cash a good card?"
  },
  {
   "id": "SA-068",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Discover it Cash Back a good first card?"
  },
  {
   "id": "SA-069",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Wells Fargo Active Cash worth getting?"
  },
  {
   "id": "SA-070",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the Capital One Savor good for dining?"
  },
  {
   "id": "SA-071",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Are Bank of America credit cards good?"
  },
  {
   "id": "SA-072",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is the US Bank Cash Plus card worth it?"
  },
  {
   "id": "SA-073",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "What credit score do I need for the Chase Sapphire Preferred?"
  },
  {
   "id": "SA-074",
   "category": "Cards",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "What are the benefits of the Amex Platinum card?"
  },
  {
   "id": "SA-075",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I do a balance transfer?"
  },
  {
   "id": "SA-076",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I dispute a credit card charge?"
  },
  {
   "id": "SA-077",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I cancel a credit card without hurting my credit score?"
  },
  {
   "id": "SA-078",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I get a credit limit increase?"
  },
  {
   "id": "SA-079",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I choose my first credit card?"
  },
  {
   "id": "SA-080",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I maximize credit card rewards?"
  },
  {
   "id": "SA-081",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I use credit cards to improve my credit score?"
  },
  {
   "id": "SA-082",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I avoid credit card interest?"
  },
  {
   "id": "SA-083",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I redeem credit card points for the most value?"
  },
  {
   "id": "SA-084",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I apply for a credit card?"
  },
  {
   "id": "SA-085",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I downgrade a credit card to a no-fee version?"
  },
  {
   "id": "SA-086",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I pay off credit card debt fast?"
  },
  {
   "id": "SA-087",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I use a 0 percent APR offer safely?"
  },
  {
   "id": "SA-088",
   "category": "Cards",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I add an authorized user to my credit card?"
  },
  {
   "id": "SA-089",
   "category": "Cards",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is credit card APR and how does it work?"
  },
  {
   "id": "SA-090",
   "category": "Cards",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is credit utilization?"
  },
  {
   "id": "SA-091",
   "category": "Cards",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is a balance transfer fee?"
  },
  {
   "id": "SA-092",
   "category": "Cards",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is the difference between a secured and unsecured credit card?"
  },
  {
   "id": "SA-093",
   "category": "Cards",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is a credit card grace period?"
  },
  {
   "id": "SA-094",
   "category": "Cards",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What are transferable points?"
  },
  {
   "id": "SA-095",
   "category": "Cards",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average credit card APR right now?"
  },
  {
   "id": "SA-096",
   "category": "Cards",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average credit card sign-up bonus in 2026?"
  },
  {
   "id": "SA-097",
   "category": "Cards",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "How much credit card debt does the average American have?"
  },
  {
   "id": "SA-098",
   "category": "Cards",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What percentage of Americans carry a credit card balance?"
  },
  {
   "id": "SA-099",
   "category": "Cards",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is a good credit score to get approved for a rewards card?"
  },
  {
   "id": "SA-100",
   "category": "Cards",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "How many credit cards does the average American have?"
  },
  {
   "id": "SA-101",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "What is the best high-yield savings account right now?"
  },
  {
   "id": "SA-102",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "Which bank has the highest savings account interest rate?"
  },
  {
   "id": "SA-103",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "What is the best online savings account?"
  },
  {
   "id": "SA-104",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "What is the best savings account with no fees?"
  },
  {
   "id": "SA-105",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "Where should I keep my emergency fund?"
  },
  {
   "id": "SA-106",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "What is the best savings account for kids?"
  },
  {
   "id": "SA-107",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "Which savings account is best for a house down payment fund?"
  },
  {
   "id": "SA-108",
   "category": "Deposits",
   "subcategory": "savings",
   "intent": "REC",
   "question": "What are the best high-yield savings accounts of 2026?"
  },
  {
   "id": "SA-109",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best checking account?"
  },
  {
   "id": "SA-110",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best free checking account with no minimum balance?"
  },
  {
   "id": "SA-111",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best online checking account?"
  },
  {
   "id": "SA-112",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "Which bank has the best checking account for students?"
  },
  {
   "id": "SA-113",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best checking account that earns interest?"
  },
  {
   "id": "SA-114",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best second-chance checking account?"
  },
  {
   "id": "SA-115",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "Which bank is best for someone who was denied a checking account?"
  },
  {
   "id": "SA-116",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best joint bank account for couples?"
  },
  {
   "id": "SA-117",
   "category": "Deposits",
   "subcategory": "checking",
   "intent": "REC",
   "question": "What is the best teen checking account?"
  },
  {
   "id": "SA-118",
   "category": "Deposits",
   "subcategory": "CDs",
   "intent": "REC",
   "question": "What are the best CD rates right now?"
  },
  {
   "id": "SA-119",
   "category": "Deposits",
   "subcategory": "CDs",
   "intent": "REC",
   "question": "Which bank has the best 12-month CD rate?"
  },
  {
   "id": "SA-120",
   "category": "Deposits",
   "subcategory": "CDs",
   "intent": "REC",
   "question": "What is the best 5-year CD rate?"
  },
  {
   "id": "SA-121",
   "category": "Deposits",
   "subcategory": "CDs",
   "intent": "REC",
   "question": "Are no-penalty CDs worth it and which is best?"
  },
  {
   "id": "SA-122",
   "category": "Deposits",
   "subcategory": "CDs",
   "intent": "REC",
   "question": "Where should I open a CD ladder?"
  },
  {
   "id": "SA-123",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best bank in America?"
  },
  {
   "id": "SA-124",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best online bank?"
  },
  {
   "id": "SA-125",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best bank for young adults?"
  },
  {
   "id": "SA-126",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "Which bank has the best mobile app?"
  },
  {
   "id": "SA-127",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best credit union anyone can join?"
  },
  {
   "id": "SA-128",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "Should I use a credit union or a bank?"
  },
  {
   "id": "SA-129",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best bank to switch to from a big bank?"
  },
  {
   "id": "SA-130",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "Which banks have no overdraft fees?"
  },
  {
   "id": "SA-131",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best bank for high net worth customers?"
  },
  {
   "id": "SA-132",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "Which bank has the best customer service?"
  },
  {
   "id": "SA-133",
   "category": "Deposits",
   "subcategory": "banks overall",
   "intent": "REC",
   "question": "What is the best money market account right now?"
  },
  {
   "id": "SA-134",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Ally or Marcus for a high-yield savings account?"
  },
  {
   "id": "SA-135",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Chase or Bank of America for checking?"
  },
  {
   "id": "SA-136",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Capital One 360 or Ally Bank: which is better?"
  },
  {
   "id": "SA-137",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "SoFi or Chime for online banking?"
  },
  {
   "id": "SA-138",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Discover Bank or American Express Savings?"
  },
  {
   "id": "SA-139",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Wealthfront cash account or a high-yield savings account?"
  },
  {
   "id": "SA-140",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Big bank or online bank: where should I keep my money?"
  },
  {
   "id": "SA-141",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Navy Federal or USAA for banking?"
  },
  {
   "id": "SA-142",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Chase or Wells Fargo: which bank is better?"
  },
  {
   "id": "SA-143",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Marcus or Capital One for CDs?"
  },
  {
   "id": "SA-144",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Is Chime a real bank and is it safe?"
  },
  {
   "id": "SA-145",
   "category": "Deposits",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Varo or Chime for early direct deposit?"
  },
  {
   "id": "SA-146",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Ally Bank safe and FDIC insured?"
  },
  {
   "id": "SA-147",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is SoFi checking and savings worth it?"
  },
  {
   "id": "SA-148",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Capital One 360 a good bank account?"
  },
  {
   "id": "SA-149",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Marcus by Goldman Sachs still a good savings account?"
  },
  {
   "id": "SA-150",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Are Chase checking accounts worth the monthly fee?"
  },
  {
   "id": "SA-151",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Wealthfront's cash account safe?"
  },
  {
   "id": "SA-152",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Discover Bank good for savings?"
  },
  {
   "id": "SA-153",
   "category": "Deposits",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Current a good banking app?"
  },
  {
   "id": "SA-154",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I open a high-yield savings account?"
  },
  {
   "id": "SA-155",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I switch banks without losing my direct deposit?"
  },
  {
   "id": "SA-156",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I set up overdraft protection?"
  },
  {
   "id": "SA-157",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I find hidden fees on my checking account?"
  },
  {
   "id": "SA-158",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I build an emergency fund?"
  },
  {
   "id": "SA-159",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I automate my savings?"
  },
  {
   "id": "SA-160",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I open a joint bank account?"
  },
  {
   "id": "SA-161",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I build a CD ladder?"
  },
  {
   "id": "SA-162",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I open a bank account if ChexSystems denied me?"
  },
  {
   "id": "SA-163",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I choose a credit union?"
  },
  {
   "id": "SA-164",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I get bank fees waived?"
  },
  {
   "id": "SA-165",
   "category": "Deposits",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I close a bank account properly?"
  },
  {
   "id": "SA-166",
   "category": "Deposits",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is APY and how is it different from APR?"
  },
  {
   "id": "SA-167",
   "category": "Deposits",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is FDIC insurance and how much does it cover?"
  },
  {
   "id": "SA-168",
   "category": "Deposits",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is a money market account?"
  },
  {
   "id": "SA-169",
   "category": "Deposits",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is ChexSystems?"
  },
  {
   "id": "SA-170",
   "category": "Deposits",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is a no-penalty CD?"
  },
  {
   "id": "SA-171",
   "category": "Deposits",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average savings account interest rate right now?"
  },
  {
   "id": "SA-172",
   "category": "Deposits",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "How much does the average American have in savings?"
  },
  {
   "id": "SA-173",
   "category": "Deposits",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average checking account fee?"
  },
  {
   "id": "SA-174",
   "category": "Deposits",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "How much should I have in my emergency fund?"
  },
  {
   "id": "SA-175",
   "category": "Deposits",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "Are savings rates going up or down in 2026?"
  },
  {
   "id": "SA-176",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "Who are the best mortgage lenders right now?"
  },
  {
   "id": "SA-177",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "What is the best mortgage lender for first-time buyers?"
  },
  {
   "id": "SA-178",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "Which lender is best for FHA loans?"
  },
  {
   "id": "SA-179",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "Who has the best mortgage refinance rates?"
  },
  {
   "id": "SA-180",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "What is the best online mortgage lender?"
  },
  {
   "id": "SA-181",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "Which banks offer the best HELOC rates?"
  },
  {
   "id": "SA-182",
   "category": "Lending",
   "subcategory": "mortgage",
   "intent": "REC",
   "question": "What is the best lender for a low down payment mortgage?"
  },
  {
   "id": "SA-183",
   "category": "Lending",
   "subcategory": "auto",
   "intent": "REC",
   "question": "Where should I get an auto loan?"
  },
  {
   "id": "SA-184",
   "category": "Lending",
   "subcategory": "auto",
   "intent": "REC",
   "question": "Which credit unions have the best auto loan rates?"
  },
  {
   "id": "SA-185",
   "category": "Lending",
   "subcategory": "auto",
   "intent": "REC",
   "question": "What is the best place to refinance a car loan?"
  },
  {
   "id": "SA-186",
   "category": "Lending",
   "subcategory": "auto",
   "intent": "REC",
   "question": "Bank, credit union, or dealer financing: which is best for a car loan?"
  },
  {
   "id": "SA-187",
   "category": "Lending",
   "subcategory": "personal",
   "intent": "REC",
   "question": "What is the best personal loan company?"
  },
  {
   "id": "SA-188",
   "category": "Lending",
   "subcategory": "personal",
   "intent": "REC",
   "question": "Where can I get a personal loan with the lowest rate?"
  },
  {
   "id": "SA-189",
   "category": "Lending",
   "subcategory": "personal",
   "intent": "REC",
   "question": "What is the best debt consolidation loan?"
  },
  {
   "id": "SA-190",
   "category": "Lending",
   "subcategory": "personal",
   "intent": "REC",
   "question": "What is the best personal loan for fair credit?"
  },
  {
   "id": "SA-191",
   "category": "Lending",
   "subcategory": "personal",
   "intent": "REC",
   "question": "Which lenders offer same-day personal loans?"
  },
  {
   "id": "SA-192",
   "category": "Lending",
   "subcategory": "student and BNPL",
   "intent": "REC",
   "question": "What is the best private student loan lender?"
  },
  {
   "id": "SA-193",
   "category": "Lending",
   "subcategory": "student and BNPL",
   "intent": "REC",
   "question": "Who has the best student loan refinance rates?"
  },
  {
   "id": "SA-194",
   "category": "Lending",
   "subcategory": "student and BNPL",
   "intent": "REC",
   "question": "Is Affirm or Klarna better for buy now pay later?"
  },
  {
   "id": "SA-195",
   "category": "Lending",
   "subcategory": "student and BNPL",
   "intent": "REC",
   "question": "Is buy now pay later a good idea?"
  },
  {
   "id": "SA-196",
   "category": "Lending",
   "subcategory": "student and BNPL",
   "intent": "REC",
   "question": "What is the best credit builder loan?"
  },
  {
   "id": "SA-197",
   "category": "Lending",
   "subcategory": "student and BNPL",
   "intent": "REC",
   "question": "What are the best lenders for people with bad credit?"
  },
  {
   "id": "SA-198",
   "category": "Lending",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Rocket Mortgage or a local credit union for a mortgage?"
  },
  {
   "id": "SA-199",
   "category": "Lending",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "SoFi or LightStream for a personal loan?"
  },
  {
   "id": "SA-200",
   "category": "Lending",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Chase or Bank of America for a mortgage?"
  },
  {
   "id": "SA-201",
   "category": "Lending",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Upstart or SoFi for a personal loan with fair credit?"
  },
  {
   "id": "SA-202",
   "category": "Lending",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Navy Federal or PenFed for an auto loan?"
  },
  {
   "id": "SA-203",
   "category": "Lending",
   "subcategory": "head to head",
   "intent": "CMP",
   "question": "Should I refinance federal student loans with a private lender?"
  },
  {
   "id": "SA-204",
   "category": "Lending",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is Rocket Mortgage legit and any good?"
  },
  {
   "id": "SA-205",
   "category": "Lending",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is SoFi a good lender for personal loans?"
  },
  {
   "id": "SA-206",
   "category": "Lending",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Are Affirm loans bad for your credit?"
  },
  {
   "id": "SA-207",
   "category": "Lending",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Is a Navy Federal auto loan worth joining for?"
  },
  {
   "id": "SA-208",
   "category": "Lending",
   "subcategory": "single brand",
   "intent": "BRD",
   "question": "Does Chase offer good mortgage rates?"
  },
  {
   "id": "SA-209",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I get pre-approved for a mortgage?"
  },
  {
   "id": "SA-210",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I decide between a fixed-rate mortgage and an ARM?"
  },
  {
   "id": "SA-211",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I refinance my mortgage?"
  },
  {
   "id": "SA-212",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I get a HELOC?"
  },
  {
   "id": "SA-213",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I buy a house with a low down payment?"
  },
  {
   "id": "SA-214",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I negotiate my auto loan rate?"
  },
  {
   "id": "SA-215",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I get a personal loan?"
  },
  {
   "id": "SA-216",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I consolidate credit card debt?"
  },
  {
   "id": "SA-217",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I choose a student loan repayment plan?"
  },
  {
   "id": "SA-218",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I decide between leasing and buying a car?"
  },
  {
   "id": "SA-219",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I remove PMI from my mortgage?"
  },
  {
   "id": "SA-220",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I negotiate with a debt collector?"
  },
  {
   "id": "SA-221",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I improve my chances of mortgage approval?"
  },
  {
   "id": "SA-222",
   "category": "Lending",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I get out of a car loan I can no longer afford?"
  },
  {
   "id": "SA-223",
   "category": "Lending",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is PMI and when does it go away?"
  },
  {
   "id": "SA-224",
   "category": "Lending",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is a HELOC and how does it work?"
  },
  {
   "id": "SA-225",
   "category": "Lending",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is debt-to-income ratio?"
  },
  {
   "id": "SA-226",
   "category": "Lending",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is an FHA loan?"
  },
  {
   "id": "SA-227",
   "category": "Lending",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What are mortgage rates today?"
  },
  {
   "id": "SA-228",
   "category": "Lending",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average personal loan interest rate?"
  },
  {
   "id": "SA-229",
   "category": "Lending",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What credit score do I need to buy a house?"
  },
  {
   "id": "SA-230",
   "category": "Lending",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average car payment in 2026?"
  },
  {
   "id": "SA-231",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "REC",
   "question": "What is the best brokerage for beginners?"
  },
  {
   "id": "SA-232",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "REC",
   "question": "Where should I open a Roth IRA?"
  },
  {
   "id": "SA-233",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "CMP",
   "question": "Fidelity, Schwab, or Vanguard: which is best?"
  },
  {
   "id": "SA-234",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "REC",
   "question": "What is the best robo-advisor?"
  },
  {
   "id": "SA-235",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "REC",
   "question": "What is the best HSA provider?"
  },
  {
   "id": "SA-236",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "REC",
   "question": "What is the best 529 plan?"
  },
  {
   "id": "SA-237",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "BRD",
   "question": "Is Robinhood safe for long-term investing?"
  },
  {
   "id": "SA-238",
   "category": "Investing",
   "subcategory": "providers",
   "intent": "CMP",
   "question": "Is Wealthfront or Betterment better?"
  },
  {
   "id": "SA-239",
   "category": "Investing",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I start investing with $1,000?"
  },
  {
   "id": "SA-240",
   "category": "Investing",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I open a Roth IRA?"
  },
  {
   "id": "SA-241",
   "category": "Investing",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I rebalance my 401(k)?"
  },
  {
   "id": "SA-242",
   "category": "Investing",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I choose between a Roth and traditional 401(k)?"
  },
  {
   "id": "SA-243",
   "category": "Investing",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I calculate how much I need to retire?"
  },
  {
   "id": "SA-244",
   "category": "Investing",
   "subcategory": "how to",
   "intent": "HOW",
   "question": "How do I open a 529 plan for my child?"
  },
  {
   "id": "SA-245",
   "category": "Investing",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is an index fund?"
  },
  {
   "id": "SA-246",
   "category": "Investing",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is the 4 percent rule in retirement?"
  },
  {
   "id": "SA-247",
   "category": "Investing",
   "subcategory": "definitions",
   "intent": "DEF",
   "question": "What is an expense ratio?"
  },
  {
   "id": "SA-248",
   "category": "Investing",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What are the 401(k) and IRA contribution limits for 2026?"
  },
  {
   "id": "SA-249",
   "category": "Investing",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is the average 401(k) balance by age?"
  },
  {
   "id": "SA-250",
   "category": "Investing",
   "subcategory": "facts and rates",
   "intent": "FCT",
   "question": "What is a good savings rate for retirement?"
  }
 ]
}