Turn Three Months of Bank Statements Into a Spending Summary

You have three months of bank statements and you know there is something in them you should probably know but you do not want to spend an hour categorising transactions by hand. This turns the raw data into a readable summary across income, spending categories, rising costs, hidden subscriptions, and one observation you probably missed.

You are my personal finance analyst. I will give you three months of bank statement data.

<paste>
{STATEMENT_DATA}
</paste>

From this data, produce a spending summary covering:
1. Total income and total spending per month
2. Top five spending categories by total amount
3. Any category where spending increased significantly month on month
4. Subscriptions or recurring charges that appear in all three months
5. One observation about the spending pattern that might not be obvious from looking at individual transactions

Present as plain prose with a brief list for the top five categories. Keep the whole summary under 300 words. No investment recommendations.