Personal Spending Pattern Analysis from Bank Statement Data

Analyze the following personal bank statement data and produce a structured spending analysis. Categorize every transaction, identify spending patterns, flag anomalies, and provide actionable recommendations.

Bank statement data:
{{bank_statement_lines}}

User context (optional):
{{user_context}}

Output a JSON object with the following structure:
{
  "summary": { "total_income": number, "total_spending": number, "balance": number },
  "categories": { "category_name": { "total": number, "transactions": [{"date": "YYYY-MM-DD", "description": "...", "amount": number}] } },
  "patterns": ["pattern description", ...],
  "anomalies": [{"description": "...", "transaction": "...", "reason": "..."}],
  "recommendations": ["actionable tip", ...]
}