scenario                                                                     expect  got  verdict
Netflix monthly 15.49                                                             1    1  OK
Rent via Zelle $1800 + 8 random Zelle to friends                                  1    1  OK
Three Apple subs on different days (0.99/9.99/14.99)                              3    3  OK
Annual subscription (12 mo history = 2 charges in 400d)                           1    1  OK
Annual subscription, 3 charges (only possible w/ >400d)                           1    1  OK
Quarterly insurance 4 charges                                                     1    1  OK
Seasonal electric bill 60-220 monthly                                             1    1  OK
Gym 49.99 then price rise 54.99                                                   1    1  OK
Biweekly paycheck 2400 + 2 bonuses same label                                     1    1  OK
Mortgage 2210.33 monthly drift +/-2d                                              1    1  OK
Monthly CC bill payment (varying 300-900)                                         0    0  OK
Monthly auto-transfer to savings $500                                             0    0  OK
Weekly groceries Trader Joe's 40-90 (habit, not bill)                             0    0  OK
Weekly coffee Fri $5.50 +/-1                                                      0    0  OK
Monthly Amazon one-offs 25-60 (random days)                                       0    0  OK
Gas station fill-ups every ~10d 35-55                                             0    0  OK
Cancelled sub: 6 charges ending 4 months ago                                      0    0  OK
City of Austin water + parking (same first 3 words), monthly each                 2    2  OK

should-detect scenarios fully correct: 11; missed/partial: 0; should-not scenarios correct: 7; false positives: 0
