Subscription Detector

Analyze these {{opts}} and identify ALL recurring subscription/auto-debit charges.

Rows:
{{tx_summary}}

Respond ONLY with a JSON array (no markdown, no explanation):
[{
  "merchant": "Clean service name",
  "amount": <number per charge in the detected currency>,
  "frequency": "monthly|yearly|weekly|quarterly",
  "monthlyAmount": <normalized monthly cost>,
  "yearlyBurn": <yearly cost>,
  "category": "Streaming|Music|Food|Cloud|Professional|Insurance|Finance|Other",
  "lastCharged": "date string",
  "confidence": "high|medium|low"
}]

{{inclusion_rule}} Return [] if none found.