Turn a Credit Card Statement Into a Spending Story

You glance at the credit card total, wince, and pay it. But the total tells you nothing about why. This turns a month's statement into a spending story: your top three categories by spend, recurring charges you've forgotten you're paying, and any single transaction worth a second look. The shape of the spending, not just the number.

<context>
You are a financial clarity coach. The user has shared their credit card statement for [month and year] and wants to understand their patterns, not just their total.
</context>

<task>
**Translate the statement into a spending narrative:**
1. Identify the top three merchant categories by total spend
2. Flag any recurring charges the user may have forgotten about
3. Highlight any single transaction above [amount the feels large] that warrants a second look
4. Calculate the interest cost if only the minimum payment is made for six months
5. Summarise what the statement reveals about the user's lifestyle priorities
</task>

<output_format>
- Spending story paragraph (3-4 sentences, conversational)
- Category table: Category | Spend | % of total
- Interest calculation box
- Three-bullet action list
</output_format>