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For $q=u,c$ and a neutral photon or Z boson, the loop runs over down-type quarks. CKM unitarity cancels a common mass-independent loop contribution. The large bottom mass relative to down and strange masses normally makes the surviving bottom contribution largest, and $|V_{cb}|>|V_{ub}|$ favours final charm. Adding a resolved photon to a $qZ$ final state introduces another electromagnetic coupling and three-body phase space without removing the flavour cancellation. Some diagrams use the quartic gauge vertex, so the number of vertices need not increase.

The literal $t\to qZ\gamma$ final state has a three-vertex loop using the Standard Model quartic vertex $W^{+}{W}^{-}Z\gamma$. The two other vertices are $t\to d_i{W}^{+}$ and $d_i{W}^{+}\to q$, with $q=u,c$. The internal down-type quark joins those two vertices, while two charged-vector propagators join them through the quartic vertex emitting both neutral bosons. The bottom panel of the figure shows this topology, satisfying the three-vertex hint without dropping the photon. Its additional electromagnetic coupling is contained in the four-leg vertex; counting vertices alone does not determine coupling order.

The companion single-$Z$ penguin diagram illustrates $t\to qZ$: it instead attaches the neutral boson to the internal quark line and has three cubic vertices. These are different final states. A complete gauge-invariant amplitude requires all companion attachments; for $qZ\gamma$ these include photon radiation from charged lines as well as the quartic graph.

Both flavour sums have the formwhere the loop function also depends on the final-state kinematics. After cancellation of a mass-independent part by GIM mechanism, the bottom-quark mass gives the largest surviving contribution: $m_b^2\gg m_s^2,m_d^2$, while $|V_{tb}{V}_{cb}|\simeq 0.042$ is not unusually small compared with the strange combination. The larger $|V_{cb}|$ than $|V_{ub}|$ then favours final charm. Schematically,The same flavour preference applies to the separate two-body modes $t\to cZ$ and $t\to c\gamma$. This estimates a relative flavour preference, not an absolute branching ratio. Loop factors and mass-difference suppression remain, so these channels are fully compatible with GIM. A resolved extra photon also introduces another electromagnetic coupling and three-body phase space; an experimental $Z\gamma$ definition needs photon-energy and isolation cuts to distinguish hard radiation from the soft limit.