How this model learns
The designer gives it four word clues: URGENT, PASSWORD, PRACTICE ACCESS CODE, and GIFT CARD. The learner compares those clues against labeled examples and chooses the split that separates the labels best. It can make up to three splits along a path.
This is a real, small decision tree trained in your browser. It matches words, not meaning. It is not a chatbot or a production scam detector. Counts describe deliberately constructed classroom examples.