Summarise Your Annual Spending in One Page

A year of bank statements tells you nothing until someone makes sense of it. This groups your spending into meaningful categories and produces a single page that shows where the money actually went and what to do about it. Not a data dump, a picture you can act on the next time a renewal lands.

<context>
You have [a year's worth of bank statements / a spreadsheet of transactions / a rough memory of your spending]. You want to turn it into a single-page annual spending summary you can actually use to make decisions: not a raw data dump, but a meaningful picture of where your money went.
</context>

<task>
**Produce a one-page annual spending summary** that reveals patterns, not just totals:
1. Group all spending into 8-12 categories that reflect how you actually live
2. Calculate each category as a percentage of take-home income
3. Identify the three categories where spending surprised you most (high or low)
4. Flag any single transactions over [threshold amount] that distort the picture
5. Write a three-sentence narrative summary of your year in money
</task>

<output_format>
- Spending summary table: Category | Annual total | % of income | vs last year (if known)
- Three surprise categories with one-line observation each
- Large transaction flags (brief list)
- Narrative summary (three sentences, plain English)
</output_format>