merchant     variants A strings  A keys B strings  B keys
Starbucks           6         6       6         4       4   B=['Sbux Store', 'Starbucks', 'Starbucks Coffee 1234 CEDAR PARK TX', 'Starbucks Store 09214 Austin Tx']
Amazon              6         6       5         5       4   B=['AMZN Mktp', 'Amazon', 'Amazon Mktpl', 'Amazon Prime', 'Amzn Mktp']
Whole Foods         5         5       5         5       5   B=['Wfm', 'Whole Fds Market', 'Whole Foods #10234 Austin Tx', 'Wholefds Aus', 'Wholefds Mkt']
Target              5         5       3         4       2   B=['Target', 'Target 00012345 Austin Tx', 'Target T-', 'Target T-0412']
Netflix             5         5       4         2       2   B=['Netflix', 'Netflix Inc']
Uber                5         5       4         4       4   B=['Uber', 'Uber *Trip Help.Uber', 'Uber Trip San Francisco Ca', 'Uber* Trip']
Shell               4         4       3         4       3   B=['Shell', 'Shell Oil', 'Shell Oil12345678', 'Shell Service Station']
Walmart             5         5       5         5       5   B=['Wal*Mart Supercenter', 'Wal-Mart', 'Walmart', 'Walmart Supercenter 1234 Austin Tx', 'Wm Supercenter']
Chipotle            4         4       4         4       4   B=['Chipotle', 'Chipotle Mexican Grill #2841 Austin Tx', 'Chipotle Online', 'Cmg* Chipotle']
CVS                 4         4       2         3       2   B=['Cvs #04412 Austin Tx', 'Cvs Pharmacy', 'Cvs/Pharmacy']
TOTAL variants=49  A strings=49 keys=41  B strings=40 keys=35  (ideal: 10 each)

Special-case probes (pipeline arm A): raw -> vendor | category
  'ATMOS ENERGY 8005641234'                -> 'ATM Withdrawal'                              | Cash & ATM
  'STATE FARM ATM FEE'                     -> 'STATE FARM ATM FEE'                          | Financial
  'ZELLE TO JANE DOE JPM99'                -> 'Zelle → ZELLE TO JANE DOE JPM99'             | Transfer
  'ZELLE FROM CHRIS P REF 88213'           -> 'Zelle ← ZELLE FROM CHRIS P REF 88213'        | Transfer
  'ONTARIO ATMOSPHERE CAFE'                -> 'ATM Withdrawal'                              | Cash & ATM
  'TOKYO SUSHI BAR'                        -> 'TOKYO SUSHI BAR'                             | Other
  'VENMO *ALEX COFFEE'                     -> 'Venmo · VENMO *ALEX COFFEE'                  | Transfer
