Automated spend monitoring

Summarize my spending over the last 7 days. Show me:
- the top 10 spending categories this week with $ totals
- for each, the change vs. the trailing 3-week average for that category (as $ and %)
- a separate callout on discretionary categories — restaurants, coffee, shopping, entertainment, travel, rideshare, delivery — flagging any that ran more than 25% above their trailing 3-week average

Lead with a one-sentence headline about the week. If everything is in line with my normal, keep the rest brief.

Look at my recurring charges over the last 30 days vs. the prior 30 days. Flag anything that:
- appeared for the first time this period
- stopped appearing (may be cancelled, paused, or moved to a different card)
- increased by more than 10% or $5
- posted twice in a single month when it normally posts once
- hit a card or account different from where it usually hits

For each, give the merchant, amount, account, and what changed. If nothing changed, just say so.

Summarize last month's finances at a high level:
1. total income
2. total spending
3. net savings (income minus spending)
4. how savings compares to the trailing 3-month average — up, down, or flat, with the $ amount of the change

Then list any spending categories that were more than 25% or $200 different from their trailing 3-month average, and briefly explain what drove the change if you can tell from the transactions. Don't enumerate routine categories — only flag what actually moved.

Check the current balances on all my accounts. Flag anything that crosses these thresholds:
- any checking or savings account with a balance below $1,000
- any credit card with a current balance above $2,000

For each, give the account name, the current balance, and how far past the threshold it is. If nothing is crossed, just reply "all balances within thresholds."