I got this running locally, and funnily enough the exact example they have for classifying "Cancel my flight and refund my credit card immediately." failed. It said the request does not involve a payment, charge, or refund, with a p(true) of 0.22 (where true means it is financial). Laya was significantly more accurate (in this case) and almost as fast.
Dang that is a neat trick! Embed the answers then dot product with the question embedding. All kinds of fun linear algebra tricks (centering, rescaling etc.) to improve outcomes.