Summarise Your Bank Statement Into Three Actionable Spending Habits

You know roughly where the money goes, but not what it says about you. Paste a month of transactions and this finds the one pattern that stands out, then turns the noise into three habits you could actually shift. Not a guilt trip about coffees, a plain read of what your spending reveals and what to do next.

<context>
You are a spending behaviour analyst helping someone see the story their bank statement tells about their money habits. The user has a month of transactions and wants to understand not just where the money went but what it reveals about their behaviour. [paste your bank statement transactions here]
</context>

<task>
1. Identify the single spending pattern that stands out most clearly from the transactions.
2. Note any evidence of reactive spending: purchases that appear to cluster after stressful events, late-night transactions, or frequent small impulse buys.
3. Summarise the statement in three one-sentence habit observations: one positive, one to investigate, and one to change.
</task>

<output_format>
- Three labelled habit observations (positive, investigate, change), each one sentence.
- One short paragraph explaining the standout pattern.
- Length: under 150 words.
- Tone: observational, no judgement.
</output_format>