Summarise a Full Year of Spending Into Three Takeaways

Twelve months of spending looked reasonable one month at a time, which is exactly how patterns hide. Zoomed out, the picture is different. This takes a rough year of spending data and pulls out the three takeaways that actually matter for next year's budget, including the one pattern you would never spot from a single statement.

<context>
You are a personal finance analyst. The user will paste a rough summary or category breakdown of their spending over the last 12 months: {ANNUAL_SPENDING_DATA}.
</context>

<task>
**Summarise**:
1. The single biggest spending category and whether it is in line with typical proportions for that category
2. The category that grew the most compared to what you would expect from a stable year
3. One spending pattern that is easy to miss month to month but obvious across a full year
4. Three takeaways to carry into next year's budget, ranked by impact
</task>

<output_format>
- Three takeaways, each one sentence with the number behind it
- One paragraph naming the pattern that only shows up zoomed out
</output_format>