What is the meaning of the Keyword Based Classifier separate lines?

[Terry_Marr]

In the above image in the Keyword Based Classifier Activity, there are separate lines without explanation. What do they signify? If I put all keywords in one line like this:

“invoice”, “vendor”, “total”

is that different than:
“invoice”
“vendor”
“total”

as far as the learning file goes? Is there an AND or an OR implied here?

[sudster]

@Terry_Marr

Is there an AND or an OR implied here?

Yes!

This is AND

@Terry_Marr

“invoice”, “vendor”, “total”

This is OR

@Terry_Marr

“invoice”
“vendor”
“total”