Rule — In hyper-competitive verticals, allow a sub-segmentation question

Rule: When the user selects a hyper-competitive vertical, allow a sub-segmentation question ("Personal injury or estate planning?" / "Cosmetic or general dentistry?").

Why: Within-vertical variance can EXCEED between-vertical variance (Envoca — "auto accident lawyer" / "medical malpractice attorney" exceed $200/click; wealth mgmt ~$31): "auto accident lawyer" CPC can exceed $200 while estate planning sits at vertical average. Tiers must allow sub-segmentation or they will mislead.

How to apply: Vertical picker includes a sub-vertical follow-up where it materially matters (legal, dental, finance, real estate).