{"summary": "A user asks whether Fidelity equivalents (FXAIX/FTIHX/FXNAX) of Vanguard funds (VTI/VXUS/BND) have lower expense ratios and are the right substitutes in a 401k.", "reason": "Rejected: generic question about fund equivalence and expense ratios, no directional investment thesis.", "ideas": [], "model": "deepseek-v4-flash"}