{
 "edition": "2",
 "label": "Edition 2",
 "category": {
  "id": "business-bank-accounts",
  "name": "Business bank accounts",
  "path": null
 },
 "methodVersion": "v0.9",
 "benchmarkVersion": 1,
 "market": "unspecified (no location sent)",
 "status": "complete",
 "statusNote": null,
 "collected": {
  "from": "2026-10-29T13:44:58.586Z",
  "to": "2026-10-29T14:06:27.641Z",
  "label": "29 Oct 2026"
 },
 "editionNumber": 2,
 "models": {
  "anthropic": [
   "claude-haiku-5-5"
  ],
  "gemini": [
   "gemini-3.1-flash-lite"
  ],
  "openai": [
   "gpt-6-luna"
  ],
  "perplexity": [
   "perplexity/sonar"
  ]
 },
 "answers": {
  "planned": 240,
  "valid": 240,
  "statuses": {
   "valid_brands": 204,
   "valid_no_brand": 36,
   "refused_offtopic": 0,
   "failed": 0,
   "not_collected": 0
  }
 },
 "questions": {
  "scored": 60,
  "decision": 41,
  "informational": 17,
  "crossCategory": 0,
  "popularity": 2,
  "ambiguityTests": 5,
  "privateValidation": 15
 },
 "cadence": {
  "every": "monthly",
  "nextEdition": "2026-11",
  "label": "Runs monthly; next edition November 2026",
  "plan": "cadence-v1.1"
 },
 "scoringRun": "20261030T054636318Z",
 "scoringCommit": null,
 "spellingsMerged": {
  "allicabank": "allica",
  "vividmoney": "vivid",
  "liveoakbank": "liveoak",
  "annamoney": "anna"
 },
 "brands": [],
 "questionList": [
  {
   "id": "h01",
   "tier": "head",
   "text": "What's the best business bank account in the US?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "best business account",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h02",
   "tier": "head",
   "text": "Which business checking account is best for a small business in the US?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "small-business checking",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h03",
   "tier": "head",
   "text": "Which bank should a US startup use for its business account?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "startup account",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h04",
   "tier": "head",
   "text": "Which US business bank accounts have low or no fees?",
   "intent": "price",
   "type": "decision",
   "anchor": false,
   "primaryJob": "low or no fees",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h05",
   "tier": "head",
   "text": "Which banks do most US startups use for their business accounts?",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "widely used by startups",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US",
   "popularity": true
  },
  {
   "id": "h06",
   "tier": "head",
   "text": "How do I choose a business bank account in the US?",
   "intent": "implement",
   "type": "informational",
   "anchor": false,
   "primaryJob": "choosing an account",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h07",
   "tier": "head",
   "text": "Do I need a separate business bank account in the US if I'm a sole proprietor?",
   "intent": "learn",
   "type": "informational",
   "anchor": false,
   "primaryJob": "sole proprietor separate account",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h08",
   "tier": "head",
   "text": "What are the main business bank accounts in the US and how do they compare?",
   "intent": "compare",
   "type": "decision",
   "anchor": false,
   "primaryJob": "comparing accounts",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h09",
   "tier": "head",
   "text": "Which US business bank account is quickest to open online?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "quick online opening",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h10",
   "tier": "head",
   "text": "Should a US company bank with an online-only business account or a traditional bank?",
   "intent": "compare",
   "type": "informational",
   "anchor": false,
   "primaryJob": "online versus traditional bank",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "h11",
   "tier": "head",
   "text": "What's the best business bank account in the UK?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "best business account",
   "crossCategoryIds": [],
   "country": "GB",
   "panel": "Europe"
  },
  {
   "id": "h12",
   "tier": "head",
   "text": "Which business bank account is best for a small business in Germany?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "small-business account",
   "crossCategoryIds": [],
   "country": "DE",
   "panel": "Europe"
  },
  {
   "id": "h13",
   "tier": "head",
   "text": "Which business bank account should a startup in the Netherlands open?",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "startup account",
   "crossCategoryIds": [],
   "country": "NL",
   "panel": "Europe"
  },
  {
   "id": "h14",
   "tier": "head",
   "text": "Which business bank accounts in France have no monthly fee?",
   "intent": "price",
   "type": "decision",
   "anchor": false,
   "primaryJob": "no monthly fee",
   "crossCategoryIds": [],
   "country": "FR",
   "panel": "Europe"
  },
  {
   "id": "h15",
   "tier": "head",
   "text": "How do the main business bank accounts in Spain compare?",
   "intent": "compare",
   "type": "decision",
   "anchor": false,
   "primaryJob": "comparing accounts",
   "crossCategoryIds": [],
   "country": "ES",
   "panel": "Europe"
  },
  {
   "id": "h16",
   "tier": "head",
   "text": "Should a company in Ireland bank with a digital-only business account or a traditional bank?",
   "intent": "compare",
   "type": "informational",
   "anchor": false,
   "primaryJob": "digital versus traditional bank",
   "crossCategoryIds": [],
   "country": "IE",
   "panel": "Europe"
  },
  {
   "id": "h17",
   "tier": "head",
   "text": "Which business bank account in Austria is quickest to open online?",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "quick online opening",
   "crossCategoryIds": [],
   "country": "AT",
   "panel": "Europe"
  },
  {
   "id": "h18",
   "tier": "head",
   "text": "Which banks do most startups in France use for their business accounts?",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "widely used by startups",
   "crossCategoryIds": [],
   "country": "FR",
   "panel": "Europe",
   "popularity": true
  },
  {
   "id": "h19",
   "tier": "head",
   "text": "Which business bank account works best for a company operating in several European countries?",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "company across several European countries",
   "crossCategoryIds": [],
   "scope": "Europe-wide",
   "panel": "Europe"
  },
  {
   "id": "h20",
   "tier": "head",
   "text": "Best business bank account for a sole trader in Belgium",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "sole trader account",
   "crossCategoryIds": [],
   "country": "BE",
   "panel": "Europe"
  },
  {
   "id": "m01",
   "tier": "mid",
   "text": "Business bank account for a venture-backed US SaaS startup",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "venture-backed SaaS",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m02",
   "tier": "mid",
   "text": "Business bank account for a US company whose founder lives outside the US",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "founder outside the US",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m03",
   "tier": "mid",
   "text": "US business bank account that protects a $3 million balance beyond the standard deposit insurance limit",
   "intent": "recommend",
   "type": "informational",
   "anchor": true,
   "primaryJob": "$3 million beyond the insurance limit",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US",
   "ambiguityTest": true,
   "goodAnswer": "1. States the standard limit applies per depositor, per bank, per ownership category. 2. Explains how sweep or reciprocal deposit networks spread cover across partner banks. 3. Says cover depends on the programme's terms and partner banks. 4. Mentions alternatives such as Treasury bills or money market funds and their different protection. 5. Avoids calling any account unlimited or fully insured without qualification.",
   "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
  },
  {
   "id": "m04",
   "tier": "mid",
   "text": "Business checking account for a US agency handling client ad budgets",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "agency client funds",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m05",
   "tier": "mid",
   "text": "US business bank accounts with no minimum balance requirement",
   "intent": "price",
   "type": "decision",
   "anchor": false,
   "primaryJob": "no minimum balance",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m06",
   "tier": "mid",
   "text": "Is a fintech business account in the US as safe as an account at a traditional bank?",
   "intent": "compare",
   "type": "informational",
   "anchor": false,
   "primaryJob": "fintech versus bank safety",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US",
   "ambiguityTest": true,
   "goodAnswer": "1. Distinguishes a fintech that holds deposits at a partner bank from a chartered bank. 2. Explains when deposit insurance applies to a fintech account. 3. Names the risk in the middle layer (records, access if the fintech fails). 4. Avoids a flat yes or no.",
   "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
  },
  {
   "id": "m07",
   "tier": "mid",
   "text": "Business bank account for a US freelancer paid in pounds and euros by clients in Europe",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "freelancer paid in pounds and euros",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m08",
   "tier": "mid",
   "text": "US business bank account that connects to accounting software",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "accounting software connection",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m09",
   "tier": "mid",
   "text": "US business bank account for a company that deposits a lot of cash",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "cash-heavy deposits",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m10",
   "tier": "mid",
   "text": "How do I move a company's banking to another bank in the US without missing payments?",
   "intent": "implement",
   "type": "informational",
   "anchor": false,
   "primaryJob": "moving banks",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "m11",
   "tier": "mid",
   "text": "Business bank account for a UK freelancer paid in dollars by clients in the US",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "freelancer paid in dollars",
   "crossCategoryIds": [],
   "country": "GB",
   "panel": "Europe"
  },
  {
   "id": "m12",
   "tier": "mid",
   "text": "Best business bank account for a newly formed limited company in Ireland with one director",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "new limited company",
   "crossCategoryIds": [],
   "country": "IE",
   "panel": "Europe"
  },
  {
   "id": "m13",
   "tier": "mid",
   "text": "Business bank account in Germany that connects to accounting software",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "accounting software connection",
   "crossCategoryIds": [],
   "country": "DE",
   "panel": "Europe"
  },
  {
   "id": "m14",
   "tier": "mid",
   "text": "Business bank account in the Netherlands for a company whose founder lives outside the EU",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "founder outside the EU",
   "crossCategoryIds": [],
   "country": "NL",
   "panel": "Europe"
  },
  {
   "id": "m15",
   "tier": "mid",
   "text": "Which costs matter most when comparing business bank accounts in France: the monthly fee, transaction fees or payments outside Europe?",
   "intent": "price",
   "type": "informational",
   "anchor": false,
   "primaryJob": "cost comparison",
   "crossCategoryIds": [],
   "country": "FR",
   "panel": "Europe"
  },
  {
   "id": "m16",
   "tier": "mid",
   "text": "How do I switch business bank accounts in the UK without missing payments?",
   "intent": "implement",
   "type": "informational",
   "anchor": false,
   "primaryJob": "switching accounts",
   "crossCategoryIds": [],
   "country": "GB",
   "panel": "Europe"
  },
  {
   "id": "m17",
   "tier": "mid",
   "text": "Business bank account in Spain that pays interest on money held",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "interest on balances",
   "crossCategoryIds": [],
   "country": "ES",
   "panel": "Europe"
  },
  {
   "id": "m18",
   "tier": "mid",
   "text": "Fixed monthly package or pay per transaction: which business account pricing works out cheaper for a small company in Italy?",
   "intent": "price",
   "type": "informational",
   "anchor": false,
   "primaryJob": "package versus per-transaction pricing",
   "crossCategoryIds": [],
   "country": "IT",
   "panel": "Europe"
  },
  {
   "id": "m19",
   "tier": "mid",
   "text": "Best digital business bank account in Portugal",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "digital business bank",
   "crossCategoryIds": [],
   "country": "PT",
   "panel": "Europe"
  },
  {
   "id": "m20",
   "tier": "mid",
   "text": "Is an e-money business account in Europe as safe as an account at a bank?",
   "intent": "compare",
   "type": "informational",
   "anchor": false,
   "primaryJob": "e-money versus bank safety",
   "crossCategoryIds": [],
   "scope": "Europe-wide",
   "panel": "Europe",
   "ambiguityTest": true,
   "goodAnswer": "1. States that e-money balances are safeguarded, not covered by a deposit guarantee scheme. 2. Explains what happens to safeguarded money if the provider fails. 3. Notes that some providers hold a banking licence and others don't. 4. Avoids calling e-money \"as safe\" or \"unsafe\" without qualification.",
   "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
  },
  {
   "id": "t01",
   "tier": "tail",
   "text": "US business bank account that automatically sweeps cash above $250,000 into insured or interest-bearing accounts",
   "intent": "recommend",
   "type": "informational",
   "anchor": true,
   "primaryJob": "automatic cash sweep",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US",
   "ambiguityTest": true,
   "goodAnswer": "1. Names options only with the qualification that cover depends on the partner banks used. 2. States that cover is not unlimited. 3. Distinguishes insured sweeps from money market funds. 4. Advises checking the programme's terms.",
   "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
  },
  {
   "id": "t02",
   "tier": "tail",
   "text": "US business bank account with free outgoing wires and same-day ACH transfers",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "free wires and same-day transfers",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t03",
   "tier": "tail",
   "text": "US business banking for a group with several companies under one login",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "several companies, one login",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t04",
   "tier": "tail",
   "text": "Why do US banks close business accounts without warning, and how can a company reduce the risk?",
   "intent": "learn",
   "type": "informational",
   "anchor": false,
   "primaryJob": "unexpected account closures",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t05",
   "tier": "tail",
   "text": "US business bank account with mobile check deposit and high deposit limits",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "mobile check deposits",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t06",
   "tier": "tail",
   "text": "US business bank account with fraud protection that flags unexpected checks and payments",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "payment fraud protection",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t07",
   "tier": "tail",
   "text": "How should a US startup avoid having all its cash at one bank?",
   "intent": "learn",
   "type": "informational",
   "anchor": false,
   "primaryJob": "spreading cash across banks",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t08",
   "tier": "tail",
   "text": "US business bank account with online approvals for several signatories",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "several signatories",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t09",
   "tier": "tail",
   "text": "US business bank with an API for automating payments",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "banking API",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t10",
   "tier": "tail",
   "text": "US business account for holding client money separately, such as deposits held in trust",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "client money held separately",
   "crossCategoryIds": [],
   "country": "US",
   "panel": "US"
  },
  {
   "id": "t11",
   "tier": "tail",
   "text": "UK business bank account with separate pots for tax, payroll and operating money",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "sub-accounts",
   "crossCategoryIds": [],
   "country": "GB",
   "panel": "Europe"
  },
  {
   "id": "t12",
   "tier": "tail",
   "text": "Business bank account in Germany where an accountant can see everything but can't make payments",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "view-only accountant access",
   "crossCategoryIds": [],
   "country": "DE",
   "panel": "Europe"
  },
  {
   "id": "t13",
   "tier": "tail",
   "text": "Business bank account in France that needs two people to approve large payments",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "dual payment approval",
   "crossCategoryIds": [],
   "country": "FR",
   "panel": "Europe"
  },
  {
   "id": "t14",
   "tier": "tail",
   "text": "How are business deposits protected if a bank or e-money provider in Europe fails?",
   "intent": "learn",
   "type": "informational",
   "anchor": false,
   "primaryJob": "deposit protection",
   "crossCategoryIds": [],
   "scope": "Europe-wide",
   "panel": "Europe",
   "ambiguityTest": true,
   "goodAnswer": "1. Explains that in the EU ordinary deposit protection is broadly harmonised at €100,000 per depositor per bank, run by national schemes, with eligibility and special cases mattering; and that the UK has its own separate scheme. 2. Distinguishes insured bank deposits from safeguarded e-money and payment-institution funds, which are not the same protection. 3. Says a business must check its own institution and country. 4. Avoids asserting one rule for all of Europe, and avoids claiming the EU limits differ freely by country.",
   "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
  },
  {
   "id": "t15",
   "tier": "tail",
   "text": "Business bank account in the Netherlands with an open API for automating payments",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "banking API",
   "crossCategoryIds": [],
   "country": "NL",
   "panel": "Europe"
  },
  {
   "id": "t16",
   "tier": "tail",
   "text": "Business bank account in Ireland that holds euros, dollars and pounds and pays a US supplier in dollars",
   "intent": "recommend",
   "type": "decision",
   "anchor": true,
   "primaryJob": "euro, dollar and pound account",
   "crossCategoryIds": [],
   "country": "IE",
   "panel": "Europe"
  },
  {
   "id": "t17",
   "tier": "tail",
   "text": "What documents does a bank in Spain ask for to open an account for a newly registered company?",
   "intent": "implement",
   "type": "informational",
   "anchor": false,
   "primaryJob": "opening documents",
   "crossCategoryIds": [],
   "country": "ES",
   "panel": "Europe"
  },
  {
   "id": "t18",
   "tier": "tail",
   "text": "Business account in Italy with an overdraft facility for a seasonal business",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "overdraft for a seasonal business",
   "crossCategoryIds": [],
   "country": "IT",
   "panel": "Europe"
  },
  {
   "id": "t19",
   "tier": "tail",
   "text": "Should a company in Belgium keep accounts at two banks for resilience?",
   "intent": "compare",
   "type": "informational",
   "anchor": false,
   "primaryJob": "one bank or two",
   "crossCategoryIds": [],
   "country": "BE",
   "panel": "Europe"
  },
  {
   "id": "t20",
   "tier": "tail",
   "text": "Business bank account that gives a company local account details in several European countries",
   "intent": "recommend",
   "type": "decision",
   "anchor": false,
   "primaryJob": "local account details across Europe",
   "crossCategoryIds": [],
   "scope": "Europe-wide",
   "panel": "Europe"
  }
 ],
 "crossCategoryQuestions": [],
 "ambiguityTests": {
  "graded": false,
  "result": null,
  "note": "Collected and published verbatim; not graded. No quality result or pass/fail is reported until the grader is built (January 2027).",
  "questions": [
   {
    "id": "m03",
    "text": "US business bank account that protects a $3 million balance beyond the standard deposit insurance limit",
    "panel": "US",
    "criteria": "1. States the standard limit applies per depositor, per bank, per ownership category. 2. Explains how sweep or reciprocal deposit networks spread cover across partner banks. 3. Says cover depends on the programme's terms and partner banks. 4. Mentions alternatives such as Treasury bills or money market funds and their different protection. 5. Avoids calling any account unlimited or fully insured without qualification.",
    "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
   },
   {
    "id": "m06",
    "text": "Is a fintech business account in the US as safe as an account at a traditional bank?",
    "panel": "US",
    "criteria": "1. Distinguishes a fintech that holds deposits at a partner bank from a chartered bank. 2. Explains when deposit insurance applies to a fintech account. 3. Names the risk in the middle layer (records, access if the fintech fails). 4. Avoids a flat yes or no.",
    "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
   },
   {
    "id": "m20",
    "text": "Is an e-money business account in Europe as safe as an account at a bank?",
    "panel": "Europe",
    "criteria": "1. States that e-money balances are safeguarded, not covered by a deposit guarantee scheme. 2. Explains what happens to safeguarded money if the provider fails. 3. Notes that some providers hold a banking licence and others don't. 4. Avoids calling e-money \"as safe\" or \"unsafe\" without qualification.",
    "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
   },
   {
    "id": "t01",
    "text": "US business bank account that automatically sweeps cash above $250,000 into insured or interest-bearing accounts",
    "panel": "US",
    "criteria": "1. Names options only with the qualification that cover depends on the partner banks used. 2. States that cover is not unlimited. 3. Distinguishes insured sweeps from money market funds. 4. Advises checking the programme's terms.",
    "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
   },
   {
    "id": "t14",
    "text": "How are business deposits protected if a bank or e-money provider in Europe fails?",
    "panel": "Europe",
    "criteria": "1. Explains that in the EU ordinary deposit protection is broadly harmonised at €100,000 per depositor per bank, run by national schemes, with eligibility and special cases mattering; and that the UK has its own separate scheme. 2. Distinguishes insured bank deposits from safeguarded e-money and payment-institution funds, which are not the same protection. 3. Says a business must check its own institution and country. 4. Avoids asserting one rule for all of Europe, and avoids claiming the EU limits differ freely by country.",
    "rubricVersion": "rubric v1 (v1-draft-batch3.md#cf59e2db2915)"
   }
  ]
 },
 "findings": {
  "panels": "Per panel: see panels[].findings. A per-market category is never pooled."
 },
 "pooling": "never: each panel is reported on its own questions; a difference between panels is not a finding about either (the panels ask different questions about different markets).",
 "panels": [
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   "panel": "US",
   "slug": "us",
   "label": "United States",
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    "planned": 120,
    "valid": 120,
    "statuses": {
     "valid_brands": 98,
     "valid_no_brand": 22,
     "refused_offtopic": 0,
     "failed": 0,
     "not_collected": 0
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   },
   "questions": {
    "scored": 30,
    "decision": 20,
    "informational": 9,
    "crossCategory": 0
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   "countries": [
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   ],
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       },
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        "of": 20
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     },
     "topPick": {
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      "high": 0.6417,
      "count": 62,
      "of": 120
     },
     "ownSiteCitation": {
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      "of": 120
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      }
     }
    },
    {
     "id": "relay",
     "name": "Relay",
     "domains": [
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      "relayfi.com"
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     "recommendation": {
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        "count": 12,
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       },
       "gemini": {
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        "count": 12,
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     },
     "topPick": {
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      }
     }
    },
    {
     "id": "chase",
     "name": "Chase",
     "domains": [
      "chase.co.uk",
      "chase.com"
     ],
     "recommendation": {
      "overall": {
       "rate": 0.3929,
       "low": 0.2708,
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       "of": 80
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       },
       "gemini": {
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        "of": 20
       },
       "perplexity": {
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        "low": 0.1778,
        "high": 0.5299,
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        "of": 20
       }
      }
     },
     "topPick": {
      "rate": 0,
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     },
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      "rate": 0.3417,
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     },
     "ownSiteCitation": {
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     "negative": {
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      }
     },
     "citedPagePresence": {
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      }
     }
    },
    {
     "id": "bluevine",
     "name": "Bluevine",
     "domains": [
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     ],
     "recommendation": {
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       },
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       }
      }
     },
     "topPick": {
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     },
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      "count": 28,
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     }
    },
    {
     "id": "usbank",
     "name": "U.S. Bank",
     "domains": [
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     "recommendation": {
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        "of": 20
       }
      }
     },
     "topPick": {
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     },
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    },
    {
     "id": "bankofamerica",
     "name": "Bank of America",
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     "recommendation": {
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     "topPick": {
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    {
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     "recommendation": {
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    },
    {
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     "recommendation": {
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      }
     },
     "topPick": {
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     },
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    },
    {
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    },
    {
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