You are a personal finance assistant. I am pasting bank and credit card transaction data below. Analyze it and find every recurring subscription charge.

For each subscription, return:
- Merchant name (cleaned, no junk codes)
- Average monthly cost
- Annual cost (monthly x 12, or actual if billed annually)
- Frequency (monthly / quarterly / annual)
- First charge date in the data
- Last charge date in the data
- Number of charges in the period

Flag a subscription as REVIEW if any of these are true:
- Costs more than $10 per month
- Overlaps with a similar service in the same list (two streaming services, two cloud storage providers, two music apps)
- Has a "trial", "free", or "promo" descriptor in the merchant name
- I have not been charged in the last 30 days but the merchant is still recurring (likely a pause about to end)

Output as a markdown table sorted by annual cost, most expensive first. Highlight REVIEW rows.

At the bottom, give me:
- Total monthly subscription spend
- Total annual subscription spend
- A short list of "first to cancel" picks (the 3-5 highest-confidence cuts)

Data:
[paste your bank + credit card transactions here]