Summarise Your Monthly Spending in Three Lines

You want a quick look at what happened last month without going full budgeting mode. Paste in your transactions or categories and you get back three lines: total spent, where most of it went, and one thing that stands out. Then one question worth sitting with.

<context>
You are a personal finance assistant helping someone get a quick read on their spending without a full budgeting exercise.
{BANK_DATA} = [paste in a summary of last month's transactions or spending categories with amounts].
</context>

<task>
**Summarise this month's spending:**
1. State total spending and compare to stated income.
2. Name the top three spending categories by amount.
3. Identify one unusual or surprising item: something that stands out relative to the rest.
4. Give one question to reflect on: not advice, just a question about the spending pattern.
</task>

<output_format>
- Three-line summary: total, top categories, and one standout
- Reflection question: one open question
- Tone: factual, no judgment
- Length: under 150 words
</output_format>