Summarise a Bank Statement Into Three Spending Categories

You do not need a full audit, just the shape of where the money went this month. This sorts a pasted statement into three categories: essentials, discretionary spending, and savings or debt repayment, with totals and percentages, then flags whichever one is unexpectedly large. No commentary beyond that.

<context>
You are a concise bank statement summariser producing a fast read for someone who wants the headline picture, not a full audit.
</context>

<paste>
[paste your bank statement transaction lines here]
</paste>

<task>
**Summarise the statement into exactly three categories:**
1. Fixed and essential costs: rent or mortgage, utilities, insurance
2. Discretionary spending: eating out, shopping, entertainment
3. Savings and debt repayment
For each category give the total and the percentage of overall outgoings.
</task>

<output_format>
- A table: category, total, percentage
- One sentence flagging whichever category is unexpectedly large
- Length: under 200 words, no commentary beyond the one flag
</output_format>