diff --git a/HISTORY.md b/HISTORY.md
index 4af8de8..e4cc1fa 100644
--- a/HISTORY.md
+++ b/HISTORY.md
@@ -1,5 +1,23 @@
 # Bill Tracker — Changelog
 
+## v0.33.8.0
+
+### 🚀 Features
+
+- **Advisory non-bill filter system** — New `advisoryFilterService.js` with lazy in-memory cache checks transaction titles against 5,000+ advisory patterns and 83 bill-like override terms. High-confidence matches suppress "Create Bill" in favor of "Probably not a bill · create anyway" text link. Medium confidence mutes the Create Bill button. Lazy-cached on first use, seeded on startup via migration v0.68.
+
+### 🐛 Bug Fixes
+
+- **BillModal onSave now returns saved bill** — `onSave` callback receives the saved/updated bill object, enabling downstream actions like auto-matching a transaction after bill creation.
+- **Transaction list includes advisory_filter** — Each row returns `advisory_filter: null | { confidence, category, rationale }` from the server.
+
+### 🛠 Internal
+
+- Migration `v0.68` — seeds `advisory_non_bill_filters` and `advisory_bill_like_overrides` from `docs/advisory_non_bill_transaction_filters_us_ms_5000.json`. Idempotent (skips if already seeded).
+- New tables: `advisory_non_bill_filters` (pattern, confidence, category, rationale) and `advisory_bill_like_overrides` (override terms).
+
+---
+
 ## v0.33.7.3
 
 ### 🐛 Bug Fixes
diff --git a/client/components/BillModal.jsx b/client/components/BillModal.jsx
index b8bf87f..3ec9bfa 100644
--- a/client/components/BillModal.jsx
+++ b/client/components/BillModal.jsx
@@ -464,15 +464,16 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
     };
     setBusy(true);
     try {
+      let savedBill;
       if (isNew) {
         if (data.source_bill_id) {
-          await api.duplicateBill(data.source_bill_id, data);
+          savedBill = await api.duplicateBill(data.source_bill_id, data);
         } else {
-          await api.createBill(data);
+          savedBill = await api.createBill(data);
         }
         toast.success('Bill added');
       } else {
-        await api.updateBill(bill.id, data);
+        savedBill = await api.updateBill(bill.id, data);
         toast.success('Bill updated');
       }
       if (saveTemplate) {
@@ -480,7 +481,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
         await api.saveBillTemplate({ name: safeTemplateName, data });
         toast.success('Template saved');
       }
-      onSave();
+      onSave(savedBill);
       onClose();
     } catch (err) {
       toast.error(err.message);
diff --git a/client/components/data/TransactionMatchingSection.jsx b/client/components/data/TransactionMatchingSection.jsx
index 87b3a21..22bc763 100644
--- a/client/components/data/TransactionMatchingSection.jsx
+++ b/client/components/data/TransactionMatchingSection.jsx
@@ -2,7 +2,7 @@ import React, { useState, useEffect, useMemo } from 'react';
 import { toast } from 'sonner';
 import {
   Sparkles, CheckCircle2, Loader2, RefreshCw, Link2, Link2Off,
-  XCircle, Eye, EyeOff, Search,
+  XCircle, Eye, EyeOff, Search, Plus,
 } from 'lucide-react';
 import { api } from '@/api';
 import { cn } from '@/lib/utils';
@@ -13,6 +13,7 @@ import {
   DialogHeader, DialogTitle,
 } from '@/components/ui/dialog';
 import { SectionCard } from './dataShared';
+import BillModal from '@/components/BillModal';
 
 const TRANSACTION_FILTERS = [
   { id: 'open', label: 'Open', params: { ignored: 'false' } },
@@ -179,7 +180,7 @@ function SuggestedMatchesPanel({ suggestions, loading, actionId, onAccept, onRej
   );
 }
 
-function MatchBillDialog({ open, onOpenChange, transaction, bills, onConfirm, loading }) {
+function MatchBillDialog({ open, onOpenChange, transaction, bills, onConfirm, loading, onCreateBill }) {
   const [query, setQuery] = useState('');
   const [selectedBillId, setSelectedBillId] = useState('');
 
@@ -248,7 +249,42 @@ function MatchBillDialog({ open, onOpenChange, transaction, bills, onConfirm, lo
 
           <div className="max-h-72 overflow-y-auto rounded-lg border border-border/60">
             {filteredBills.length === 0 ? (
-              <p className="px-4 py-8 text-center text-sm text-muted-foreground">No bills found.</p>
+              <div className="flex flex-col items-center gap-3 px-4 py-8 text-center">
+                <p className="text-sm text-muted-foreground">No bills found.</p>
+                {onCreateBill && (() => {
+                  const af = transaction?.advisory_filter;
+                  const label = query.trim()
+                    ? `Create "${query.trim()}" as a new bill`
+                    : 'Create a new bill';
+                  if (af?.confidence === 'high') {
+                    return (
+                      <span className="text-xs text-muted-foreground">
+                        Probably not a bill ·{' '}
+                        <button
+                          type="button"
+                          className="underline hover:text-foreground transition-colors"
+                          onClick={() => { onOpenChange(false); onCreateBill(transaction, query.trim() || undefined); }}
+                        >
+                          {label}
+                        </button>
+                      </span>
+                    );
+                  }
+                  return (
+                    <button
+                      type="button"
+                      onClick={() => { onOpenChange(false); onCreateBill(transaction, query.trim() || undefined); }}
+                      className={cn(
+                        'flex items-center gap-1.5 text-xs hover:underline',
+                        af?.confidence === 'medium' ? 'text-muted-foreground' : 'text-primary',
+                      )}
+                    >
+                      <Plus className="h-3.5 w-3.5" />
+                      {label}
+                    </button>
+                  );
+                })()}
+              </div>
             ) : (
               <div className="divide-y divide-border/40">
                 {filteredBills.map(bill => (
@@ -278,6 +314,39 @@ function MatchBillDialog({ open, onOpenChange, transaction, bills, onConfirm, lo
         </div>
 
         <DialogFooter className="gap-2">
+          {onCreateBill && (() => {
+            const af = transaction?.advisory_filter;
+            if (af?.confidence === 'high') {
+              return (
+                <span className="mr-auto flex items-center gap-2 text-xs text-muted-foreground">
+                  Probably not a bill
+                  <button
+                    type="button"
+                    className="underline hover:text-foreground transition-colors"
+                    onClick={() => { onOpenChange(false); onCreateBill(transaction); }}
+                  >
+                    create anyway
+                  </button>
+                </span>
+              );
+            }
+            return (
+              <Button
+                type="button"
+                variant="ghost"
+                className={cn(
+                  'mr-auto text-xs',
+                  af?.confidence === 'medium'
+                    ? 'text-muted-foreground/60 hover:text-muted-foreground'
+                    : 'text-muted-foreground hover:text-foreground',
+                )}
+                onClick={() => { onOpenChange(false); onCreateBill(transaction); }}
+              >
+                <Plus className="h-3.5 w-3.5 mr-1.5" />
+                Create Bill
+              </Button>
+            );
+          })()}
           <Button type="button" variant="outline" onClick={() => onOpenChange(false)}>
             Cancel
           </Button>
@@ -314,6 +383,8 @@ export default function TransactionMatchingSection({ refreshKey, simplefinConn }
   const [actionId, setActionId] = useState(null);
   const [matchOpen, setMatchOpen] = useState(false);
   const [matchTransaction, setMatchTransaction] = useState(null);
+  const [categories, setCategories] = useState([]);
+  const [createBillSourceTx, setCreateBillSourceTx] = useState(null);
 
   const currentFilter = TRANSACTION_FILTERS.find(item => item.id === filter) || TRANSACTION_FILTERS[0];
 
@@ -363,6 +434,9 @@ export default function TransactionMatchingSection({ refreshKey, simplefinConn }
   useEffect(() => { loadBills(); }, []);
   useEffect(() => { loadTransactions(); }, [filter, refreshKey]);
   useEffect(() => { loadSuggestions(); }, [refreshKey]);
+  useEffect(() => {
+    api.categories().then(data => setCategories(data || [])).catch(() => {});
+  }, []);
 
   const openMatchDialog = (tx) => {
     setMatchTransaction(tx);
@@ -370,6 +444,38 @@ export default function TransactionMatchingSection({ refreshKey, simplefinConn }
     if (!bills.length && !billsLoading) loadBills();
   };
 
+  const openCreateBill = (tx, nameOverride) => {
+    const amount = Math.abs(Number(tx.amount || 0)) / 100;
+    const dateStr = transactionDate(tx);
+    const day = dateStr ? parseInt(dateStr.slice(8, 10), 10) : 1;
+    setCreateBillSourceTx({
+      tx,
+      initialBill: {
+        name: nameOverride || transactionTitle(tx),
+        expected_amount: amount || 0,
+        due_day: day >= 1 && day <= 31 ? day : 1,
+        billing_cycle: 'monthly',
+        cycle_type: 'monthly',
+        cycle_day: '1',
+        active: 1,
+      },
+    });
+  };
+
+  const handleBillCreated = async (newBill) => {
+    const tx = createBillSourceTx?.tx;
+    setCreateBillSourceTx(null);
+    if (tx && newBill?.id) {
+      try {
+        await api.matchTransaction(tx.id, newBill.id);
+        toast.success('Bill created and matched to transaction.');
+      } catch (err) {
+        toast.error(err.message || 'Bill created but match failed.');
+      }
+    }
+    await Promise.all([loadBills(), refreshTransactionWorkbench()]);
+  };
+
   const runTransactionAction = async (tx, action) => {
     setActionId(`${action}:${tx.id}`);
     try {
@@ -560,6 +666,8 @@ export default function TransactionMatchingSection({ refreshKey, simplefinConn }
                           <TransactionStatusBadge tx={tx} />
                           {tx.matched_bill_name ? (
                             <span className="truncate text-xs text-foreground">{tx.matched_bill_name}</span>
+                          ) : tx.advisory_filter?.confidence === 'high' ? (
+                            <span className="text-xs text-muted-foreground italic">Probably not a bill</span>
                           ) : (
                             <span className="text-xs text-muted-foreground">No bill linked</span>
                           )}
@@ -650,7 +758,18 @@ export default function TransactionMatchingSection({ refreshKey, simplefinConn }
         bills={bills}
         loading={actionId === `match:${matchTransaction?.id}`}
         onConfirm={confirmMatch}
+        onCreateBill={openCreateBill}
       />
+
+      {createBillSourceTx && (
+        <BillModal
+          key={`create-from-tx-${createBillSourceTx.tx.id}`}
+          initialBill={createBillSourceTx.initialBill}
+          categories={categories}
+          onClose={() => setCreateBillSourceTx(null)}
+          onSave={handleBillCreated}
+        />
+      )}
     </SectionCard>
   );
 }
diff --git a/client/lib/version.js b/client/lib/version.js
index b90fa27..1f60997 100644
--- a/client/lib/version.js
+++ b/client/lib/version.js
@@ -9,6 +9,11 @@ export const RELEASE_NOTES = {
   date: '2026-05-29',
   version: APP_VERSION,
   highlights: [
+    {
+      icon: '🧠',
+      title: 'Advisory non-bill transaction filters',
+      desc: '5,000+ advisory patterns with 83 bill-like override terms. High-confidence unmatched transactions show "Probably not a bill" instead of "Create Bill". Medium confidence mutes the button. Lazy in-memory cache, seeded on first startup.',
+    },
     {
       icon: '🔄',
       title: 'SimpleFIN transaction table fix',
@@ -34,11 +39,6 @@ export const RELEASE_NOTES = {
       title: 'Private login details',
       desc: 'Your Profile now shows recent login date, IP, browser, OS, device type, and a short device ID. These details are shown only to you in the app UI.',
     },
-    {
-      icon: '📄',
-      title: 'Privacy and release notes',
-      desc: 'A public Privacy page is available from About, release notes can render images, and this update card now resets from the backend whenever the app version changes.',
-    },
   ],
   image: {
     src: '/img/doingmypart.jpg',
diff --git a/db/database.js b/db/database.js
index e86301c..064f5a0 100644
--- a/db/database.js
+++ b/db/database.js
@@ -276,6 +276,55 @@ const SUBSCRIPTION_CATALOG_ROWS = [
   [200,'Book of the Month','Books & Subscription Boxes','education','https://www.bookofthemonth.com/','bookofthemonth.com'],
 ];
 
+function runAdvisoryFiltersMigration(database) {
+  database.exec(`
+    CREATE TABLE IF NOT EXISTS advisory_non_bill_filters (
+      id TEXT PRIMARY KEY,
+      pattern TEXT NOT NULL,
+      confidence TEXT NOT NULL CHECK(confidence IN ('high', 'medium')),
+      category TEXT NOT NULL,
+      rationale TEXT
+    );
+    CREATE INDEX IF NOT EXISTS idx_advisory_filters_confidence
+      ON advisory_non_bill_filters(confidence);
+
+    CREATE TABLE IF NOT EXISTS advisory_bill_like_overrides (
+      id INTEGER PRIMARY KEY AUTOINCREMENT,
+      term TEXT NOT NULL UNIQUE
+    );
+  `);
+
+  const filterCount = database.prepare('SELECT COUNT(*) as n FROM advisory_non_bill_filters').get();
+  if (filterCount.n === 0) {
+    const jsonPath = path.join(__dirname, '..', 'docs', 'advisory_non_bill_transaction_filters_us_ms_5000.json');
+    const raw = fs.readFileSync(jsonPath, 'utf8');
+    const data = JSON.parse(raw);
+
+    const insertFilter = database.prepare(
+      'INSERT INTO advisory_non_bill_filters (id, pattern, confidence, category, rationale) VALUES (?,?,?,?,?)'
+    );
+    const insertFilters = database.transaction((rows) => {
+      for (const row of rows) {
+        insertFilter.run(row.id, row.pattern, row.confidence, row.category, row.rationale || null);
+      }
+    });
+    insertFilters(data.patterns || []);
+    console.log(`[migration] advisory_non_bill_filters: seeded ${(data.patterns || []).length} rows`);
+
+    const overrideTerms = data.bill_like_override_terms || [];
+    if (overrideTerms.length > 0) {
+      const insertOverride = database.prepare(
+        'INSERT OR IGNORE INTO advisory_bill_like_overrides (term) VALUES (?)'
+      );
+      const insertOverrides = database.transaction((terms) => {
+        for (const term of terms) insertOverride.run(term);
+      });
+      insertOverrides(overrideTerms);
+      console.log(`[migration] advisory_bill_like_overrides: seeded ${overrideTerms.length} rows`);
+    }
+  }
+}
+
 function runSubscriptionCatalogMigration(database) {
   database.exec(`
     CREATE TABLE IF NOT EXISTS subscription_catalog (
@@ -2207,6 +2256,14 @@ function runMigrations() {
             ON bill_merchant_rules(user_id);
         `);
       }
+    },
+    {
+      version: 'v0.68',
+      description: 'advisory_non_bill_filters: 5k advisory patterns + bill-like override terms',
+      dependsOn: ['v0.67'],
+      run: function() {
+        runAdvisoryFiltersMigration(db);
+      }
     }
   ];
 
diff --git a/db/schema.sql b/db/schema.sql
index f429c37..03020c9 100644
--- a/db/schema.sql
+++ b/db/schema.sql
@@ -252,3 +252,19 @@ CREATE TABLE IF NOT EXISTS bill_templates (
 
 CREATE INDEX IF NOT EXISTS idx_bill_templates_user_name
   ON bill_templates(user_id, name);
+
+CREATE TABLE IF NOT EXISTS advisory_non_bill_filters (
+  id TEXT PRIMARY KEY,
+  pattern TEXT NOT NULL,
+  confidence TEXT NOT NULL CHECK(confidence IN ('high', 'medium')),
+  category TEXT NOT NULL,
+  rationale TEXT
+);
+
+CREATE INDEX IF NOT EXISTS idx_advisory_filters_confidence
+  ON advisory_non_bill_filters(confidence);
+
+CREATE TABLE IF NOT EXISTS advisory_bill_like_overrides (
+  id INTEGER PRIMARY KEY AUTOINCREMENT,
+  term TEXT NOT NULL UNIQUE
+);
diff --git a/docs/advisory_non_bill_transaction_filters_us_ms_5000.json b/docs/advisory_non_bill_transaction_filters_us_ms_5000.json
new file mode 100644
index 0000000..6ee8643
--- /dev/null
+++ b/docs/advisory_non_bill_transaction_filters_us_ms_5000.json
@@ -0,0 +1,96360 @@
+{
+  "schema_version": "2.0",
+  "generated_on": "2026-05-29",
+  "name": "advisory_non_bill_transaction_filters_us_ms_5000",
+  "purpose": "Advisory rules to hide or de-emphasize Create Bill for obvious non-bills and common everyday point-of-sale purchases. Matches should never auto-delete or permanently ignore transactions.",
+  "target_scope": {
+    "country": "US",
+    "regional_bias": [
+      "Mississippi",
+      "Tupelo",
+      "Starkville",
+      "Northeast Mississippi"
+    ],
+    "target_pattern_count": 5000,
+    "actual_pattern_count": 5000
+  },
+  "recommended_behavior": {
+    "high_confidence_match": "hide_create_bill_button",
+    "medium_confidence_match": "deemphasize_create_bill_button",
+    "processor_prefix_match_only": "do_not_suppress_create_bill",
+    "bill_like_override_match": "show_create_bill_button_even_if_advisory_filter_matches",
+    "do_not_auto_delete_or_auto_ignore": true,
+    "show_reason_to_user": true,
+    "allow_user_override": true,
+    "preferred_label": "Probably not a bill",
+    "review_queue": "normal_transactions"
+  },
+  "matching_order": [
+    "Normalize descriptor.",
+    "If a bill_like_override_term is present, do not suppress Create Bill.",
+    "If descriptor only matches a processor prefix, do not suppress Create Bill.",
+    "If a high-confidence non-bill rule matches, hide Create Bill but allow manual override.",
+    "If a medium-confidence everyday merchant rule matches, de-emphasize Create Bill but keep available behind overflow or secondary action.",
+    "If merchant recurs on a monthly/annual cadence and no high-confidence rule matched, let recurring-bill detection run normally."
+  ],
+  "normalization": {
+    "case": "lowercase",
+    "strip_extra_spaces": true,
+    "normalize_ampersand_to_and": true,
+    "strip_city_state_store_numbers_for_secondary_matching": true,
+    "remove_punctuation_except_descriptor_symbols": [
+      "#",
+      "*",
+      ".",
+      "+",
+      "@",
+      "'",
+      "/",
+      "-"
+    ],
+    "example": {
+      "raw": "SQ *BLUE CANOE TUPELO MS",
+      "normalized": "sq *blue canoe tupelo ms"
+    }
+  },
+  "processor_prefixes_seen_on_statements_do_not_filter_alone": [
+    {
+      "prefix": "sq *",
+      "meaning": "Square seller descriptor; do not block unless followed by a merchant pattern."
+    },
+    {
+      "prefix": "sq*",
+      "meaning": "Square seller descriptor; do not block unless followed by a merchant pattern."
+    },
+    {
+      "prefix": "paypal *",
+      "meaning": "PayPal merchant descriptor; do not block unless followed by a merchant pattern."
+    },
+    {
+      "prefix": "pp *",
+      "meaning": "PayPal-style merchant descriptor; do not block unless followed by a merchant pattern."
+    },
+    {
+      "prefix": "stripe",
+      "meaning": "Stripe/processor descriptor; do not block alone."
+    },
+    {
+      "prefix": "tst*",
+      "meaning": "Toast/restaurant descriptor; do not block alone."
+    },
+    {
+      "prefix": "toast",
+      "meaning": "Toast/restaurant descriptor; do not block alone."
+    },
+    {
+      "prefix": "clover",
+      "meaning": "Clover POS descriptor; do not block alone."
+    },
+    {
+      "prefix": "shopify",
+      "meaning": "Shopify commerce descriptor; do not block alone."
+    },
+    {
+      "prefix": "sp ",
+      "meaning": "Often seen on ecommerce descriptors; do not block alone."
+    }
+  ],
+  "bill_like_override_terms": [
+    "account number",
+    "acct #",
+    "alarm monitoring",
+    "annual plan",
+    "annual renewal",
+    "apartment",
+    "auto loan",
+    "auto-pay",
+    "autopay",
+    "broadband",
+    "bursar",
+    "cable bill",
+    "car payment",
+    "cell phone",
+    "childcare",
+    "clinic bill",
+    "co-pay",
+    "copay",
+    "daycare",
+    "dental bill",
+    "department of revenue",
+    "doctor bill",
+    "electric",
+    "electricity",
+    "escrow",
+    "fiber",
+    "financial aid",
+    "financing",
+    "garbage service",
+    "gas bill",
+    "hoa",
+    "homeowners association",
+    "hospital bill",
+    "installment",
+    "insurance",
+    "internet",
+    "inv #",
+    "invoice",
+    "invoice #",
+    "irs",
+    "lab bill",
+    "landlord",
+    "landscaping monthly",
+    "lawn service monthly",
+    "lease",
+    "lender",
+    "loan",
+    "medical bill",
+    "membership renewal",
+    "monthly payment",
+    "monthly plan",
+    "mortgage",
+    "natural gas",
+    "pest control quarterly",
+    "phone bill",
+    "policy",
+    "power bill",
+    "premium",
+    "propane service",
+    "property management",
+    "recurring",
+    "renewal",
+    "rent",
+    "sanitation",
+    "scheduled payment",
+    "school tuition",
+    "security system",
+    "self storage monthly",
+    "service agreement",
+    "service contract",
+    "sewer",
+    "statement",
+    "storage rent",
+    "student account",
+    "student loan",
+    "subscription",
+    "tax payment",
+    "trash service",
+    "tuition",
+    "utilities",
+    "utility",
+    "water bill",
+    "wireless bill"
+  ],
+  "category_counts": {
+    "bank_fees_interest": 550,
+    "transfers_cash_money_movement": 450,
+    "payments_credits_refunds": 300,
+    "gas_stations_convenience": 650,
+    "grocery_pharmacy_everyday": 550,
+    "shopping_retail_ecommerce": 700,
+    "restaurants_coffee_delivery": 750,
+    "travel_transport_parking": 250,
+    "entertainment_lifestyle_misc": 250,
+    "ms_tupelo_local_everyday": 250,
+    "ms_starkville_local_everyday": 300
+  },
+  "confidence_counts": {
+    "high": 1300,
+    "medium": 3700
+  },
+  "source_notes": [
+    {
+      "name": "Stripe statement descriptors",
+      "url": "https://docs.stripe.com/get-started/account/statement-descriptors",
+      "note": "Used to shape descriptor normalization around merchant-identifying text on card statements."
+    },
+    {
+      "name": "Square statement descriptions",
+      "url": "https://developer.squareup.com/docs/payments-api/take-payments/card-payments/statement-descriptions",
+      "note": "Used to treat Square-like prefixes as processor context, not standalone suppressors."
+    },
+    {
+      "name": "PayPal statement-name guidance",
+      "url": "https://www.paypal.com/us/cshelp/article/how-do-i-update-my-business-name-on-customers-credit-card-statements-help336",
+      "note": "Used to include PayPal merchant-prefix variants while avoiding blocking PayPal alone."
+    },
+    {
+      "name": "Greater Starkville Development Partnership restaurant and shopping directories",
+      "url": "https://members.starkville.org/list/ql/restaurants-food-beverages-22",
+      "note": "Used for Starkville local restaurant and shopping merchant names."
+    },
+    {
+      "name": "Visit Tupelo and Tupelo restaurant/shop sources",
+      "url": "https://www.tupelo.net/food-drink/",
+      "note": "Used for Tupelo local food/shopping merchant names and city-specific descriptors."
+    }
+  ],
+  "patterns": [
+    {
+      "id": "bank_fees_interest_0001",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0002",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0003",
+      "category": "bank_fees_interest",
+      "pattern": "bank fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0004",
+      "category": "bank_fees_interest",
+      "pattern": "card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0005",
+      "category": "bank_fees_interest",
+      "pattern": "late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0006",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0007",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0008",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0009",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0010",
+      "category": "bank_fees_interest",
+      "pattern": "fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee charged",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0011",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0012",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0013",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0014",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0015",
+      "category": "bank_fees_interest",
+      "pattern": "research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0016",
+      "category": "bank_fees_interest",
+      "pattern": "reversal fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reversal fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0017",
+      "category": "bank_fees_interest",
+      "pattern": "atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0018",
+      "category": "bank_fees_interest",
+      "pattern": "atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0019",
+      "category": "bank_fees_interest",
+      "pattern": "card rush fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card rush fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0020",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0021",
+      "category": "bank_fees_interest",
+      "pattern": "overlimit fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overlimit fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0022",
+      "category": "bank_fees_interest",
+      "pattern": "chargeback fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0023",
+      "category": "bank_fees_interest",
+      "pattern": "debit card fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0024",
+      "category": "bank_fees_interest",
+      "pattern": "fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee adjustment",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0025",
+      "category": "bank_fees_interest",
+      "pattern": "finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0026",
+      "category": "bank_fees_interest",
+      "pattern": "inactivity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0027",
+      "category": "bank_fees_interest",
+      "pattern": "membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0028",
+      "category": "bank_fees_interest",
+      "pattern": "over limit fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "over limit fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0029",
+      "category": "bank_fees_interest",
+      "pattern": "processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0030",
+      "category": "bank_fees_interest",
+      "pattern": "service charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0031",
+      "category": "bank_fees_interest",
+      "pattern": "cash reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0032",
+      "category": "bank_fees_interest",
+      "pattern": "check order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check order fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0033",
+      "category": "bank_fees_interest",
+      "pattern": "convenience fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0034",
+      "category": "bank_fees_interest",
+      "pattern": "foreign atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0035",
+      "category": "bank_fees_interest",
+      "pattern": "garnishment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0036",
+      "category": "bank_fees_interest",
+      "pattern": "interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0037",
+      "category": "bank_fees_interest",
+      "pattern": "maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0038",
+      "category": "bank_fees_interest",
+      "pattern": "money order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0039",
+      "category": "bank_fees_interest",
+      "pattern": "cash advance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0040",
+      "category": "bank_fees_interest",
+      "pattern": "interest charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0041",
+      "category": "bank_fees_interest",
+      "pattern": "late payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0042",
+      "category": "bank_fees_interest",
+      "pattern": "loan payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loan payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0043",
+      "category": "bank_fees_interest",
+      "pattern": "stop payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0044",
+      "category": "bank_fees_interest",
+      "pattern": "cashier check fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cashier check fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0045",
+      "category": "bank_fees_interest",
+      "pattern": "domestic wire fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "domestic wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0046",
+      "category": "bank_fees_interest",
+      "pattern": "incoming wire fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "incoming wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0047",
+      "category": "bank_fees_interest",
+      "pattern": "miscellaneous fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "miscellaneous fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0048",
+      "category": "bank_fees_interest",
+      "pattern": "outgoing wire fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "outgoing wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0049",
+      "category": "bank_fees_interest",
+      "pattern": "residual interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "residual interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0050",
+      "category": "bank_fees_interest",
+      "pattern": "returned item fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned item fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0051",
+      "category": "bank_fees_interest",
+      "pattern": "wire transfer fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0052",
+      "category": "bank_fees_interest",
+      "pattern": "cashiers check fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cashiers check fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0053",
+      "category": "bank_fees_interest",
+      "pattern": "expedited card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "expedited card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0054",
+      "category": "bank_fees_interest",
+      "pattern": "official check fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "official check fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0055",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft item fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft item fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0056",
+      "category": "bank_fees_interest",
+      "pattern": "payment return fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment return fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0057",
+      "category": "bank_fees_interest",
+      "pattern": "return payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0058",
+      "category": "bank_fees_interest",
+      "pattern": "returned check fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned check fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0059",
+      "category": "bank_fees_interest",
+      "pattern": "statement copy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement copy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0060",
+      "category": "bank_fees_interest",
+      "pattern": "account service fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "account service fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0061",
+      "category": "bank_fees_interest",
+      "pattern": "bank service charge pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0062",
+      "category": "bank_fees_interest",
+      "pattern": "dormant account fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dormant account fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0063",
+      "category": "bank_fees_interest",
+      "pattern": "excess activity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "excess activity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0064",
+      "category": "bank_fees_interest",
+      "pattern": "minimum payment due",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment due",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0065",
+      "category": "bank_fees_interest",
+      "pattern": "monthly service fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "monthly service fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0066",
+      "category": "bank_fees_interest",
+      "pattern": "non network atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "non network atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0067",
+      "category": "bank_fees_interest",
+      "pattern": "paper statement fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paper statement fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0068",
+      "category": "bank_fees_interest",
+      "pattern": "savings account fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "savings account fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0069",
+      "category": "bank_fees_interest",
+      "pattern": "balance transfer fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance transfer fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0070",
+      "category": "bank_fees_interest",
+      "pattern": "card replacement fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card replacement fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0071",
+      "category": "bank_fees_interest",
+      "pattern": "checking account fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "checking account fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0072",
+      "category": "bank_fees_interest",
+      "pattern": "foreign currency fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign currency fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0073",
+      "category": "bank_fees_interest",
+      "pattern": "legal processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "legal processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0074",
+      "category": "bank_fees_interest",
+      "pattern": "replacement card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "replacement card fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0075",
+      "category": "bank_fees_interest",
+      "pattern": "returned payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0076",
+      "category": "bank_fees_interest",
+      "pattern": "safe deposit box fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safe deposit box fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0077",
+      "category": "bank_fees_interest",
+      "pattern": "annual membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual membership fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0078",
+      "category": "bank_fees_interest",
+      "pattern": "cash advance interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0079",
+      "category": "bank_fees_interest",
+      "pattern": "expedited payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "expedited payment fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0080",
+      "category": "bank_fees_interest",
+      "pattern": "extended overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "extended overdraft fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0081",
+      "category": "bank_fees_interest",
+      "pattern": "insufficient funds fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "insufficient funds fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0082",
+      "category": "bank_fees_interest",
+      "pattern": "international wire fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "international wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0083",
+      "category": "bank_fees_interest",
+      "pattern": "out of network atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "out of network atm fee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0084",
+      "category": "bank_fees_interest",
+      "pattern": "savings withdrawal fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "savings withdrawal fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0085",
+      "category": "bank_fees_interest",
+      "pattern": "checking service charge pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "checking service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0086",
+      "category": "bank_fees_interest",
+      "pattern": "currency conversion fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "currency conversion fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0087",
+      "category": "bank_fees_interest",
+      "pattern": "foreign transaction fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign transaction fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0088",
+      "category": "bank_fees_interest",
+      "pattern": "minimum interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0089",
+      "category": "bank_fees_interest",
+      "pattern": "monthly maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "monthly maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0090",
+      "category": "bank_fees_interest",
+      "pattern": "periodic finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "periodic finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0091",
+      "category": "bank_fees_interest",
+      "pattern": "non sufficient funds fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "non sufficient funds fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0092",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft protection fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft protection fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0093",
+      "category": "bank_fees_interest",
+      "pattern": "purchase interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0094",
+      "category": "bank_fees_interest",
+      "pattern": "balance transfer interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance transfer interest",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0095",
+      "category": "bank_fees_interest",
+      "pattern": "deposit item returned fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit item returned fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0096",
+      "category": "bank_fees_interest",
+      "pattern": "teller cash withdrawal fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "teller cash withdrawal fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0097",
+      "category": "bank_fees_interest",
+      "pattern": "interest charged on purchases",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged on purchases",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0098",
+      "category": "bank_fees_interest",
+      "pattern": "international transaction fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "international transaction fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0099",
+      "category": "bank_fees_interest",
+      "pattern": "interest charged on cash advances",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged on cash advances",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0100",
+      "category": "bank_fees_interest",
+      "pattern": "interest charged on balance transfers",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged on balance transfers",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0101",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0102",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0103",
+      "category": "bank_fees_interest",
+      "pattern": "amex atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0104",
+      "category": "bank_fees_interest",
+      "pattern": "amex nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0105",
+      "category": "bank_fees_interest",
+      "pattern": "bank atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0106",
+      "category": "bank_fees_interest",
+      "pattern": "bank nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0107",
+      "category": "bank_fees_interest",
+      "pattern": "card atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0108",
+      "category": "bank_fees_interest",
+      "pattern": "card fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0109",
+      "category": "bank_fees_interest",
+      "pattern": "card nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0110",
+      "category": "bank_fees_interest",
+      "pattern": "late fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0111",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0112",
+      "category": "bank_fees_interest",
+      "pattern": "visa atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0113",
+      "category": "bank_fees_interest",
+      "pattern": "visa nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0114",
+      "category": "bank_fees_interest",
+      "pattern": "amex card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0115",
+      "category": "bank_fees_interest",
+      "pattern": "amex late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0116",
+      "category": "bank_fees_interest",
+      "pattern": "amex levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0117",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0118",
+      "category": "bank_fees_interest",
+      "pattern": "bank card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0119",
+      "category": "bank_fees_interest",
+      "pattern": "bank late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0120",
+      "category": "bank_fees_interest",
+      "pattern": "bank levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0121",
+      "category": "bank_fees_interest",
+      "pattern": "card card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0122",
+      "category": "bank_fees_interest",
+      "pattern": "card late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0123",
+      "category": "bank_fees_interest",
+      "pattern": "card levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0124",
+      "category": "bank_fees_interest",
+      "pattern": "debit atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0125",
+      "category": "bank_fees_interest",
+      "pattern": "debit nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0126",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0127",
+      "category": "bank_fees_interest",
+      "pattern": "visa card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0128",
+      "category": "bank_fees_interest",
+      "pattern": "visa late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0129",
+      "category": "bank_fees_interest",
+      "pattern": "visa levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0130",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0131",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0132",
+      "category": "bank_fees_interest",
+      "pattern": "card fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0133",
+      "category": "bank_fees_interest",
+      "pattern": "debit card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0134",
+      "category": "bank_fees_interest",
+      "pattern": "debit late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0135",
+      "category": "bank_fees_interest",
+      "pattern": "debit levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0136",
+      "category": "bank_fees_interest",
+      "pattern": "late fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0137",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0138",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0139",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0140",
+      "category": "bank_fees_interest",
+      "pattern": "account atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0141",
+      "category": "bank_fees_interest",
+      "pattern": "account nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0142",
+      "category": "bank_fees_interest",
+      "pattern": "amex annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0143",
+      "category": "bank_fees_interest",
+      "pattern": "amex reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0144",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0145",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0146",
+      "category": "bank_fees_interest",
+      "pattern": "bank annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0147",
+      "category": "bank_fees_interest",
+      "pattern": "bank reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0148",
+      "category": "bank_fees_interest",
+      "pattern": "card annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0149",
+      "category": "bank_fees_interest",
+      "pattern": "card fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0150",
+      "category": "bank_fees_interest",
+      "pattern": "card reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0151",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0152",
+      "category": "bank_fees_interest",
+      "pattern": "late fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0153",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0154",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0155",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0156",
+      "category": "bank_fees_interest",
+      "pattern": "savings atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0157",
+      "category": "bank_fees_interest",
+      "pattern": "savings nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0158",
+      "category": "bank_fees_interest",
+      "pattern": "visa annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0159",
+      "category": "bank_fees_interest",
+      "pattern": "visa reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0160",
+      "category": "bank_fees_interest",
+      "pattern": "account card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0161",
+      "category": "bank_fees_interest",
+      "pattern": "account late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0162",
+      "category": "bank_fees_interest",
+      "pattern": "account levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0163",
+      "category": "bank_fees_interest",
+      "pattern": "amex dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0164",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0165",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0166",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0167",
+      "category": "bank_fees_interest",
+      "pattern": "bank dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0168",
+      "category": "bank_fees_interest",
+      "pattern": "card dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0169",
+      "category": "bank_fees_interest",
+      "pattern": "card fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0170",
+      "category": "bank_fees_interest",
+      "pattern": "card fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0171",
+      "category": "bank_fees_interest",
+      "pattern": "checking atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0172",
+      "category": "bank_fees_interest",
+      "pattern": "checking nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0173",
+      "category": "bank_fees_interest",
+      "pattern": "debit annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0174",
+      "category": "bank_fees_interest",
+      "pattern": "debit reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0175",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0176",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0177",
+      "category": "bank_fees_interest",
+      "pattern": "late fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0178",
+      "category": "bank_fees_interest",
+      "pattern": "late fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0179",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0180",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0181",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0182",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0183",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0184",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0185",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0186",
+      "category": "bank_fees_interest",
+      "pattern": "research fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0187",
+      "category": "bank_fees_interest",
+      "pattern": "savings card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0188",
+      "category": "bank_fees_interest",
+      "pattern": "savings late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0189",
+      "category": "bank_fees_interest",
+      "pattern": "savings levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0190",
+      "category": "bank_fees_interest",
+      "pattern": "visa dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0191",
+      "category": "bank_fees_interest",
+      "pattern": "amex fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0192",
+      "category": "bank_fees_interest",
+      "pattern": "amex interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0193",
+      "category": "bank_fees_interest",
+      "pattern": "amex merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0194",
+      "category": "bank_fees_interest",
+      "pattern": "amex past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0195",
+      "category": "bank_fees_interest",
+      "pattern": "amex research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0196",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0197",
+      "category": "bank_fees_interest",
+      "pattern": "atm owner fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0198",
+      "category": "bank_fees_interest",
+      "pattern": "atm surcharge pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0199",
+      "category": "bank_fees_interest",
+      "pattern": "bank fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0200",
+      "category": "bank_fees_interest",
+      "pattern": "bank interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0201",
+      "category": "bank_fees_interest",
+      "pattern": "bank merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0202",
+      "category": "bank_fees_interest",
+      "pattern": "bank past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0203",
+      "category": "bank_fees_interest",
+      "pattern": "bank research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0204",
+      "category": "bank_fees_interest",
+      "pattern": "card fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0205",
+      "category": "bank_fees_interest",
+      "pattern": "card fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0206",
+      "category": "bank_fees_interest",
+      "pattern": "card fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0207",
+      "category": "bank_fees_interest",
+      "pattern": "card interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0208",
+      "category": "bank_fees_interest",
+      "pattern": "card merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0209",
+      "category": "bank_fees_interest",
+      "pattern": "card past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0210",
+      "category": "bank_fees_interest",
+      "pattern": "card research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0211",
+      "category": "bank_fees_interest",
+      "pattern": "checking card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0212",
+      "category": "bank_fees_interest",
+      "pattern": "checking late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0213",
+      "category": "bank_fees_interest",
+      "pattern": "checking levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0214",
+      "category": "bank_fees_interest",
+      "pattern": "debit dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0215",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0216",
+      "category": "bank_fees_interest",
+      "pattern": "late fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0217",
+      "category": "bank_fees_interest",
+      "pattern": "late fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0218",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0219",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0220",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0221",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0222",
+      "category": "bank_fees_interest",
+      "pattern": "visa fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0223",
+      "category": "bank_fees_interest",
+      "pattern": "visa interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0224",
+      "category": "bank_fees_interest",
+      "pattern": "visa merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0225",
+      "category": "bank_fees_interest",
+      "pattern": "visa past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0226",
+      "category": "bank_fees_interest",
+      "pattern": "visa research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0227",
+      "category": "bank_fees_interest",
+      "pattern": "account annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0228",
+      "category": "bank_fees_interest",
+      "pattern": "account reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0229",
+      "category": "bank_fees_interest",
+      "pattern": "amex atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0230",
+      "category": "bank_fees_interest",
+      "pattern": "amex atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0231",
+      "category": "bank_fees_interest",
+      "pattern": "amex atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0232",
+      "category": "bank_fees_interest",
+      "pattern": "amex nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0233",
+      "category": "bank_fees_interest",
+      "pattern": "amex overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0234",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0235",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0236",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0237",
+      "category": "bank_fees_interest",
+      "pattern": "bank atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0238",
+      "category": "bank_fees_interest",
+      "pattern": "bank atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0239",
+      "category": "bank_fees_interest",
+      "pattern": "bank atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0240",
+      "category": "bank_fees_interest",
+      "pattern": "bank nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0241",
+      "category": "bank_fees_interest",
+      "pattern": "bank overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0242",
+      "category": "bank_fees_interest",
+      "pattern": "card atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0243",
+      "category": "bank_fees_interest",
+      "pattern": "card atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0244",
+      "category": "bank_fees_interest",
+      "pattern": "card atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0245",
+      "category": "bank_fees_interest",
+      "pattern": "card nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0246",
+      "category": "bank_fees_interest",
+      "pattern": "card overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0247",
+      "category": "bank_fees_interest",
+      "pattern": "chargeback fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0248",
+      "category": "bank_fees_interest",
+      "pattern": "debit fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0249",
+      "category": "bank_fees_interest",
+      "pattern": "debit interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0250",
+      "category": "bank_fees_interest",
+      "pattern": "debit merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0251",
+      "category": "bank_fees_interest",
+      "pattern": "debit past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0252",
+      "category": "bank_fees_interest",
+      "pattern": "debit research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0253",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0254",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0255",
+      "category": "bank_fees_interest",
+      "pattern": "finance charge pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0256",
+      "category": "bank_fees_interest",
+      "pattern": "inactivity fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0257",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0258",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0259",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0260",
+      "category": "bank_fees_interest",
+      "pattern": "membership fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0261",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0262",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0263",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0264",
+      "category": "bank_fees_interest",
+      "pattern": "processing fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0265",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0266",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0267",
+      "category": "bank_fees_interest",
+      "pattern": "research fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0268",
+      "category": "bank_fees_interest",
+      "pattern": "savings annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0269",
+      "category": "bank_fees_interest",
+      "pattern": "savings reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0270",
+      "category": "bank_fees_interest",
+      "pattern": "service charge pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0271",
+      "category": "bank_fees_interest",
+      "pattern": "visa atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0272",
+      "category": "bank_fees_interest",
+      "pattern": "visa atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0273",
+      "category": "bank_fees_interest",
+      "pattern": "visa atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0274",
+      "category": "bank_fees_interest",
+      "pattern": "visa nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0275",
+      "category": "bank_fees_interest",
+      "pattern": "visa overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0276",
+      "category": "bank_fees_interest",
+      "pattern": "account dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0277",
+      "category": "bank_fees_interest",
+      "pattern": "amex card fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0278",
+      "category": "bank_fees_interest",
+      "pattern": "amex chargeback fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0279",
+      "category": "bank_fees_interest",
+      "pattern": "amex debit card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0280",
+      "category": "bank_fees_interest",
+      "pattern": "amex finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0281",
+      "category": "bank_fees_interest",
+      "pattern": "amex inactivity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0282",
+      "category": "bank_fees_interest",
+      "pattern": "amex late fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0283",
+      "category": "bank_fees_interest",
+      "pattern": "amex levy fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0284",
+      "category": "bank_fees_interest",
+      "pattern": "amex membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0285",
+      "category": "bank_fees_interest",
+      "pattern": "amex processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0286",
+      "category": "bank_fees_interest",
+      "pattern": "amex service charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0287",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0288",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0289",
+      "category": "bank_fees_interest",
+      "pattern": "atm fee transaction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0290",
+      "category": "bank_fees_interest",
+      "pattern": "atm owner fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0291",
+      "category": "bank_fees_interest",
+      "pattern": "atm surcharge debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0292",
+      "category": "bank_fees_interest",
+      "pattern": "bank card fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0293",
+      "category": "bank_fees_interest",
+      "pattern": "bank chargeback fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0294",
+      "category": "bank_fees_interest",
+      "pattern": "bank debit card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0295",
+      "category": "bank_fees_interest",
+      "pattern": "bank finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0296",
+      "category": "bank_fees_interest",
+      "pattern": "bank inactivity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0297",
+      "category": "bank_fees_interest",
+      "pattern": "bank late fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0298",
+      "category": "bank_fees_interest",
+      "pattern": "bank levy fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0299",
+      "category": "bank_fees_interest",
+      "pattern": "bank membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0300",
+      "category": "bank_fees_interest",
+      "pattern": "bank processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0301",
+      "category": "bank_fees_interest",
+      "pattern": "bank service charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0302",
+      "category": "bank_fees_interest",
+      "pattern": "card card fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0303",
+      "category": "bank_fees_interest",
+      "pattern": "card chargeback fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0304",
+      "category": "bank_fees_interest",
+      "pattern": "card debit card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0305",
+      "category": "bank_fees_interest",
+      "pattern": "card fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0306",
+      "category": "bank_fees_interest",
+      "pattern": "card finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0307",
+      "category": "bank_fees_interest",
+      "pattern": "card inactivity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0308",
+      "category": "bank_fees_interest",
+      "pattern": "card late fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0309",
+      "category": "bank_fees_interest",
+      "pattern": "card levy fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0310",
+      "category": "bank_fees_interest",
+      "pattern": "card membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0311",
+      "category": "bank_fees_interest",
+      "pattern": "card processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0312",
+      "category": "bank_fees_interest",
+      "pattern": "card service charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0313",
+      "category": "bank_fees_interest",
+      "pattern": "cash reload fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0314",
+      "category": "bank_fees_interest",
+      "pattern": "checking annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0315",
+      "category": "bank_fees_interest",
+      "pattern": "checking reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0316",
+      "category": "bank_fees_interest",
+      "pattern": "convenience fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0317",
+      "category": "bank_fees_interest",
+      "pattern": "credit card atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0318",
+      "category": "bank_fees_interest",
+      "pattern": "credit card nsf fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0319",
+      "category": "bank_fees_interest",
+      "pattern": "debit atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0320",
+      "category": "bank_fees_interest",
+      "pattern": "debit atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0321",
+      "category": "bank_fees_interest",
+      "pattern": "debit atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0322",
+      "category": "bank_fees_interest",
+      "pattern": "debit nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0323",
+      "category": "bank_fees_interest",
+      "pattern": "debit overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0324",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0325",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0326",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0327",
+      "category": "bank_fees_interest",
+      "pattern": "foreign atm fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0328",
+      "category": "bank_fees_interest",
+      "pattern": "garnishment fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0329",
+      "category": "bank_fees_interest",
+      "pattern": "interest charge pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0330",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0331",
+      "category": "bank_fees_interest",
+      "pattern": "late fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0332",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0333",
+      "category": "bank_fees_interest",
+      "pattern": "maintenance fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0334",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0335",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0336",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0337",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0338",
+      "category": "bank_fees_interest",
+      "pattern": "money order fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0339",
+      "category": "bank_fees_interest",
+      "pattern": "nsf fee transaction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0340",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0341",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0342",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0343",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0344",
+      "category": "bank_fees_interest",
+      "pattern": "research fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0345",
+      "category": "bank_fees_interest",
+      "pattern": "savings dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0346",
+      "category": "bank_fees_interest",
+      "pattern": "visa card fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0347",
+      "category": "bank_fees_interest",
+      "pattern": "visa chargeback fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0348",
+      "category": "bank_fees_interest",
+      "pattern": "visa debit card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0349",
+      "category": "bank_fees_interest",
+      "pattern": "visa finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0350",
+      "category": "bank_fees_interest",
+      "pattern": "visa inactivity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0351",
+      "category": "bank_fees_interest",
+      "pattern": "visa late fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0352",
+      "category": "bank_fees_interest",
+      "pattern": "visa levy fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0353",
+      "category": "bank_fees_interest",
+      "pattern": "visa membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0354",
+      "category": "bank_fees_interest",
+      "pattern": "visa processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0355",
+      "category": "bank_fees_interest",
+      "pattern": "visa service charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0356",
+      "category": "bank_fees_interest",
+      "pattern": "account fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0357",
+      "category": "bank_fees_interest",
+      "pattern": "account interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0358",
+      "category": "bank_fees_interest",
+      "pattern": "account merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0359",
+      "category": "bank_fees_interest",
+      "pattern": "account past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0360",
+      "category": "bank_fees_interest",
+      "pattern": "account research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0361",
+      "category": "bank_fees_interest",
+      "pattern": "amex atm fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0362",
+      "category": "bank_fees_interest",
+      "pattern": "amex cash reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0363",
+      "category": "bank_fees_interest",
+      "pattern": "amex convenience fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0364",
+      "category": "bank_fees_interest",
+      "pattern": "amex foreign atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0365",
+      "category": "bank_fees_interest",
+      "pattern": "amex garnishment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0366",
+      "category": "bank_fees_interest",
+      "pattern": "amex interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0367",
+      "category": "bank_fees_interest",
+      "pattern": "amex maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0368",
+      "category": "bank_fees_interest",
+      "pattern": "amex money order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0369",
+      "category": "bank_fees_interest",
+      "pattern": "amex nsf fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0370",
+      "category": "bank_fees_interest",
+      "pattern": "atm owner fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0371",
+      "category": "bank_fees_interest",
+      "pattern": "atm surcharge annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0372",
+      "category": "bank_fees_interest",
+      "pattern": "bank atm fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0373",
+      "category": "bank_fees_interest",
+      "pattern": "bank cash reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0374",
+      "category": "bank_fees_interest",
+      "pattern": "bank convenience fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0375",
+      "category": "bank_fees_interest",
+      "pattern": "bank foreign atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0376",
+      "category": "bank_fees_interest",
+      "pattern": "bank garnishment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0377",
+      "category": "bank_fees_interest",
+      "pattern": "bank interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0378",
+      "category": "bank_fees_interest",
+      "pattern": "bank maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0379",
+      "category": "bank_fees_interest",
+      "pattern": "bank money order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0380",
+      "category": "bank_fees_interest",
+      "pattern": "bank nsf fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0381",
+      "category": "bank_fees_interest",
+      "pattern": "card atm fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0382",
+      "category": "bank_fees_interest",
+      "pattern": "card cash reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0383",
+      "category": "bank_fees_interest",
+      "pattern": "card convenience fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0384",
+      "category": "bank_fees_interest",
+      "pattern": "card fee transaction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0385",
+      "category": "bank_fees_interest",
+      "pattern": "card foreign atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0386",
+      "category": "bank_fees_interest",
+      "pattern": "card garnishment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0387",
+      "category": "bank_fees_interest",
+      "pattern": "card interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0388",
+      "category": "bank_fees_interest",
+      "pattern": "card maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0389",
+      "category": "bank_fees_interest",
+      "pattern": "card money order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0390",
+      "category": "bank_fees_interest",
+      "pattern": "card nsf fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0391",
+      "category": "bank_fees_interest",
+      "pattern": "cash advance fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0392",
+      "category": "bank_fees_interest",
+      "pattern": "chargeback fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0393",
+      "category": "bank_fees_interest",
+      "pattern": "checking dispute fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0394",
+      "category": "bank_fees_interest",
+      "pattern": "credit card card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0395",
+      "category": "bank_fees_interest",
+      "pattern": "credit card late fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0396",
+      "category": "bank_fees_interest",
+      "pattern": "credit card levy fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0397",
+      "category": "bank_fees_interest",
+      "pattern": "debit card fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0398",
+      "category": "bank_fees_interest",
+      "pattern": "debit chargeback fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0399",
+      "category": "bank_fees_interest",
+      "pattern": "debit debit card fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0400",
+      "category": "bank_fees_interest",
+      "pattern": "debit finance charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0401",
+      "category": "bank_fees_interest",
+      "pattern": "debit inactivity fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0402",
+      "category": "bank_fees_interest",
+      "pattern": "debit late fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0403",
+      "category": "bank_fees_interest",
+      "pattern": "debit levy fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0404",
+      "category": "bank_fees_interest",
+      "pattern": "debit membership fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0405",
+      "category": "bank_fees_interest",
+      "pattern": "debit processing fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0406",
+      "category": "bank_fees_interest",
+      "pattern": "debit service charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0407",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0408",
+      "category": "bank_fees_interest",
+      "pattern": "dispute fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0409",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0410",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0411",
+      "category": "bank_fees_interest",
+      "pattern": "finance charge debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0412",
+      "category": "bank_fees_interest",
+      "pattern": "inactivity fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0413",
+      "category": "bank_fees_interest",
+      "pattern": "interest charged pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0414",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0415",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0416",
+      "category": "bank_fees_interest",
+      "pattern": "late fee transaction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0417",
+      "category": "bank_fees_interest",
+      "pattern": "late payment fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0418",
+      "category": "bank_fees_interest",
+      "pattern": "levy fee transaction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0419",
+      "category": "bank_fees_interest",
+      "pattern": "loan payment fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loan payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0420",
+      "category": "bank_fees_interest",
+      "pattern": "membership fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0421",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0422",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0423",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0424",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0425",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0426",
+      "category": "bank_fees_interest",
+      "pattern": "processing fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0427",
+      "category": "bank_fees_interest",
+      "pattern": "research fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0428",
+      "category": "bank_fees_interest",
+      "pattern": "research fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0429",
+      "category": "bank_fees_interest",
+      "pattern": "savings fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0430",
+      "category": "bank_fees_interest",
+      "pattern": "savings interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0431",
+      "category": "bank_fees_interest",
+      "pattern": "savings merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0432",
+      "category": "bank_fees_interest",
+      "pattern": "savings past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0433",
+      "category": "bank_fees_interest",
+      "pattern": "savings research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0434",
+      "category": "bank_fees_interest",
+      "pattern": "service charge debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0435",
+      "category": "bank_fees_interest",
+      "pattern": "stop payment fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0436",
+      "category": "bank_fees_interest",
+      "pattern": "visa atm fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0437",
+      "category": "bank_fees_interest",
+      "pattern": "visa cash reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0438",
+      "category": "bank_fees_interest",
+      "pattern": "visa convenience fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0439",
+      "category": "bank_fees_interest",
+      "pattern": "visa foreign atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0440",
+      "category": "bank_fees_interest",
+      "pattern": "visa garnishment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0441",
+      "category": "bank_fees_interest",
+      "pattern": "visa interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0442",
+      "category": "bank_fees_interest",
+      "pattern": "visa maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0443",
+      "category": "bank_fees_interest",
+      "pattern": "visa money order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0444",
+      "category": "bank_fees_interest",
+      "pattern": "visa nsf fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0445",
+      "category": "bank_fees_interest",
+      "pattern": "account atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0446",
+      "category": "bank_fees_interest",
+      "pattern": "account atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0447",
+      "category": "bank_fees_interest",
+      "pattern": "account atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0448",
+      "category": "bank_fees_interest",
+      "pattern": "account nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0449",
+      "category": "bank_fees_interest",
+      "pattern": "account overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0450",
+      "category": "bank_fees_interest",
+      "pattern": "amex annual fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0451",
+      "category": "bank_fees_interest",
+      "pattern": "amex atm fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0452",
+      "category": "bank_fees_interest",
+      "pattern": "amex card fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0453",
+      "category": "bank_fees_interest",
+      "pattern": "amex cash advance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0454",
+      "category": "bank_fees_interest",
+      "pattern": "amex interest charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0455",
+      "category": "bank_fees_interest",
+      "pattern": "amex late fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0456",
+      "category": "bank_fees_interest",
+      "pattern": "amex late payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0457",
+      "category": "bank_fees_interest",
+      "pattern": "amex levy fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0458",
+      "category": "bank_fees_interest",
+      "pattern": "amex loan payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loan payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0459",
+      "category": "bank_fees_interest",
+      "pattern": "amex nsf fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0460",
+      "category": "bank_fees_interest",
+      "pattern": "amex reload fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0461",
+      "category": "bank_fees_interest",
+      "pattern": "amex stop payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0462",
+      "category": "bank_fees_interest",
+      "pattern": "annual fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0463",
+      "category": "bank_fees_interest",
+      "pattern": "atm owner fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0464",
+      "category": "bank_fees_interest",
+      "pattern": "atm owner fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0465",
+      "category": "bank_fees_interest",
+      "pattern": "atm surcharge charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0466",
+      "category": "bank_fees_interest",
+      "pattern": "atm surcharge monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0467",
+      "category": "bank_fees_interest",
+      "pattern": "bank annual fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0468",
+      "category": "bank_fees_interest",
+      "pattern": "bank atm fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0469",
+      "category": "bank_fees_interest",
+      "pattern": "bank card fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0470",
+      "category": "bank_fees_interest",
+      "pattern": "bank cash advance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0471",
+      "category": "bank_fees_interest",
+      "pattern": "bank interest charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0472",
+      "category": "bank_fees_interest",
+      "pattern": "bank late fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0473",
+      "category": "bank_fees_interest",
+      "pattern": "bank late payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0474",
+      "category": "bank_fees_interest",
+      "pattern": "bank levy fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0475",
+      "category": "bank_fees_interest",
+      "pattern": "bank loan payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loan payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0476",
+      "category": "bank_fees_interest",
+      "pattern": "bank nsf fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0477",
+      "category": "bank_fees_interest",
+      "pattern": "bank reload fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0478",
+      "category": "bank_fees_interest",
+      "pattern": "bank stop payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0479",
+      "category": "bank_fees_interest",
+      "pattern": "card annual fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0480",
+      "category": "bank_fees_interest",
+      "pattern": "card atm fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0481",
+      "category": "bank_fees_interest",
+      "pattern": "card card fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0482",
+      "category": "bank_fees_interest",
+      "pattern": "card cash advance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0483",
+      "category": "bank_fees_interest",
+      "pattern": "card interest charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0484",
+      "category": "bank_fees_interest",
+      "pattern": "card late fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0485",
+      "category": "bank_fees_interest",
+      "pattern": "card late payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0486",
+      "category": "bank_fees_interest",
+      "pattern": "card levy fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "levy fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0487",
+      "category": "bank_fees_interest",
+      "pattern": "card loan payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loan payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0488",
+      "category": "bank_fees_interest",
+      "pattern": "card nsf fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0489",
+      "category": "bank_fees_interest",
+      "pattern": "card reload fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0490",
+      "category": "bank_fees_interest",
+      "pattern": "card stop payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0491",
+      "category": "bank_fees_interest",
+      "pattern": "cash reload fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0492",
+      "category": "bank_fees_interest",
+      "pattern": "cashier check fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cashier check fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0493",
+      "category": "bank_fees_interest",
+      "pattern": "chargeback fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chargeback fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0494",
+      "category": "bank_fees_interest",
+      "pattern": "checking fee interest",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0495",
+      "category": "bank_fees_interest",
+      "pattern": "checking interest fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0496",
+      "category": "bank_fees_interest",
+      "pattern": "checking merchant fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0497",
+      "category": "bank_fees_interest",
+      "pattern": "checking past due fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0498",
+      "category": "bank_fees_interest",
+      "pattern": "checking research fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0499",
+      "category": "bank_fees_interest",
+      "pattern": "convenience fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0500",
+      "category": "bank_fees_interest",
+      "pattern": "debit atm fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0501",
+      "category": "bank_fees_interest",
+      "pattern": "debit card fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "debit card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0502",
+      "category": "bank_fees_interest",
+      "pattern": "debit cash reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0503",
+      "category": "bank_fees_interest",
+      "pattern": "debit convenience fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0504",
+      "category": "bank_fees_interest",
+      "pattern": "debit foreign atm fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0505",
+      "category": "bank_fees_interest",
+      "pattern": "debit garnishment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0506",
+      "category": "bank_fees_interest",
+      "pattern": "debit interest charge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0507",
+      "category": "bank_fees_interest",
+      "pattern": "debit maintenance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0508",
+      "category": "bank_fees_interest",
+      "pattern": "debit money order fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0509",
+      "category": "bank_fees_interest",
+      "pattern": "debit nsf fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0510",
+      "category": "bank_fees_interest",
+      "pattern": "domestic wire fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "domestic wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0511",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0512",
+      "category": "bank_fees_interest",
+      "pattern": "fee interest bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0513",
+      "category": "bank_fees_interest",
+      "pattern": "finance charge annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finance charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0514",
+      "category": "bank_fees_interest",
+      "pattern": "foreign atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foreign atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0515",
+      "category": "bank_fees_interest",
+      "pattern": "garnishment fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garnishment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0516",
+      "category": "bank_fees_interest",
+      "pattern": "inactivity fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inactivity fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0517",
+      "category": "bank_fees_interest",
+      "pattern": "incoming wire fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "incoming wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0518",
+      "category": "bank_fees_interest",
+      "pattern": "interest charge debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0519",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0520",
+      "category": "bank_fees_interest",
+      "pattern": "interest fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0521",
+      "category": "bank_fees_interest",
+      "pattern": "maintenance fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maintenance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0522",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard annual fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0523",
+      "category": "bank_fees_interest",
+      "pattern": "mastercard reload fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0524",
+      "category": "bank_fees_interest",
+      "pattern": "membership fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "membership fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0525",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0526",
+      "category": "bank_fees_interest",
+      "pattern": "merchant fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0527",
+      "category": "bank_fees_interest",
+      "pattern": "money order fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "money order fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0528",
+      "category": "bank_fees_interest",
+      "pattern": "outgoing wire fee pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "outgoing wire fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0529",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0530",
+      "category": "bank_fees_interest",
+      "pattern": "overdraft fee monthly",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0531",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0532",
+      "category": "bank_fees_interest",
+      "pattern": "past due fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "past due fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0533",
+      "category": "bank_fees_interest",
+      "pattern": "processing fee annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "processing fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0534",
+      "category": "bank_fees_interest",
+      "pattern": "reload fee adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reload fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0535",
+      "category": "bank_fees_interest",
+      "pattern": "research fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0536",
+      "category": "bank_fees_interest",
+      "pattern": "research fee bankcard",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "research fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0537",
+      "category": "bank_fees_interest",
+      "pattern": "residual interest pos",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "residual interest",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0538",
+      "category": "bank_fees_interest",
+      "pattern": "savings atm fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0539",
+      "category": "bank_fees_interest",
+      "pattern": "savings atm owner fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm owner fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0540",
+      "category": "bank_fees_interest",
+      "pattern": "savings atm surcharge",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm surcharge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0541",
+      "category": "bank_fees_interest",
+      "pattern": "savings nsf fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nsf fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0542",
+      "category": "bank_fees_interest",
+      "pattern": "savings overdraft fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overdraft fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0543",
+      "category": "bank_fees_interest",
+      "pattern": "service charge annual",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service charge",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0544",
+      "category": "bank_fees_interest",
+      "pattern": "visa annual fee debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "annual fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0545",
+      "category": "bank_fees_interest",
+      "pattern": "visa atm fee assessed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0546",
+      "category": "bank_fees_interest",
+      "pattern": "visa card fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "card fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0547",
+      "category": "bank_fees_interest",
+      "pattern": "visa cash advance fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0548",
+      "category": "bank_fees_interest",
+      "pattern": "visa interest charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest charged",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0549",
+      "category": "bank_fees_interest",
+      "pattern": "visa late fee charged",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "bank_fees_interest_0550",
+      "category": "bank_fees_interest",
+      "pattern": "visa late payment fee",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "late payment fee",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0001",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0002",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm cash",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm cash",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0003",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0004",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle to",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0005",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0006",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm debit",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0007",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0008",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0009",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach return",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0010",
+      "category": "transfers_cash_money_movement",
+      "pattern": "payroll dd",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll dd",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0011",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle from",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0012",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach deposit",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0013",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0014",
+      "category": "transfers_cash_money_movement",
+      "pattern": "paypal xfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal xfer",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0015",
+      "category": "transfers_cash_money_movement",
+      "pattern": "rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0016",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0017",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach reversal",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0018",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0019",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0020",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0021",
+      "category": "transfers_cash_money_movement",
+      "pattern": "facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0022",
+      "category": "transfers_cash_money_movement",
+      "pattern": "same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0023",
+      "category": "transfers_cash_money_movement",
+      "pattern": "bank transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0024",
+      "category": "transfers_cash_money_movement",
+      "pattern": "book transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0025",
+      "category": "transfers_cash_money_movement",
+      "pattern": "check deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0026",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0027",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo cashout",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo cashout",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0028",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0029",
+      "category": "transfers_cash_money_movement",
+      "pattern": "wire transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0030",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0031",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0032",
+      "category": "transfers_cash_money_movement",
+      "pattern": "branch deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "branch deposit",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0033",
+      "category": "transfers_cash_money_movement",
+      "pattern": "direct deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0034",
+      "category": "transfers_cash_money_movement",
+      "pattern": "funds transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0035",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0036",
+      "category": "transfers_cash_money_movement",
+      "pattern": "refund deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0037",
+      "category": "transfers_cash_money_movement",
+      "pattern": "remote deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0038",
+      "category": "transfers_cash_money_movement",
+      "pattern": "salary deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salary deposit",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0039",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo cash out",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo cash out",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0040",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0041",
+      "category": "transfers_cash_money_movement",
+      "pattern": "withdrawal atm",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal atm",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0042",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle received",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0043",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0044",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0045",
+      "category": "transfers_cash_money_movement",
+      "pattern": "counter deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0046",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0047",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0048",
+      "category": "transfers_cash_money_movement",
+      "pattern": "paypal transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0049",
+      "category": "transfers_cash_money_movement",
+      "pattern": "payroll deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0050",
+      "category": "transfers_cash_money_movement",
+      "pattern": "account transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "account transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0051",
+      "category": "transfers_cash_money_movement",
+      "pattern": "deposit reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit reversal",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0052",
+      "category": "transfers_cash_money_movement",
+      "pattern": "deposit transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0053",
+      "category": "transfers_cash_money_movement",
+      "pattern": "instant transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "instant transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0054",
+      "category": "transfers_cash_money_movement",
+      "pattern": "paypal inst xfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal inst xfer",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0055",
+      "category": "transfers_cash_money_movement",
+      "pattern": "savings transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "savings transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0056",
+      "category": "transfers_cash_money_movement",
+      "pattern": "treasury deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "treasury deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0057",
+      "category": "transfers_cash_money_movement",
+      "pattern": "wire transfer in",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer in",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0058",
+      "category": "transfers_cash_money_movement",
+      "pattern": "bill pay transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bill pay transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0059",
+      "category": "transfers_cash_money_movement",
+      "pattern": "branch withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "branch withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0060",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash app cash out",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash app cash out",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0061",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash app transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash app transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0062",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash disbursement",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash disbursement",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0063",
+      "category": "transfers_cash_money_movement",
+      "pattern": "checking transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "checking transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0064",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "external transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0065",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "internal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0066",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internet transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "internet transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0067",
+      "category": "transfers_cash_money_movement",
+      "pattern": "real time payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "real time payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0068",
+      "category": "transfers_cash_money_movement",
+      "pattern": "teller withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "teller withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0069",
+      "category": "transfers_cash_money_movement",
+      "pattern": "wire transfer out",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer out",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0070",
+      "category": "transfers_cash_money_movement",
+      "pattern": "automatic transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "automatic transfer",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0071",
+      "category": "transfers_cash_money_movement",
+      "pattern": "counter withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0072",
+      "category": "transfers_cash_money_movement",
+      "pattern": "deposit correction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0073",
+      "category": "transfers_cash_money_movement",
+      "pattern": "recurring transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "recurring transfer",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0074",
+      "category": "transfers_cash_money_movement",
+      "pattern": "tax refund deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tax refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0075",
+      "category": "transfers_cash_money_movement",
+      "pattern": "telephone transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "telephone transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0076",
+      "category": "transfers_cash_money_movement",
+      "pattern": "apple cash transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "apple cash transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0077",
+      "category": "transfers_cash_money_movement",
+      "pattern": "google pay transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "google pay transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0078",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to savings",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to savings",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0079",
+      "category": "transfers_cash_money_movement",
+      "pattern": "square cash transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "square cash transfer",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0080",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to checking",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to checking",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0081",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer from savings",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from savings",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0082",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer from checking",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from checking",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0083",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash advance withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance withdrawal",
+      "source_hint": "v1_seed_file",
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0084",
+      "category": "transfers_cash_money_movement",
+      "pattern": "person to person transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "person to person transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0085",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0086",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0087",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0088",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0089",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0090",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0091",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0092",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0093",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0094",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0095",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0096",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0097",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0098",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0099",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0100",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0101",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0102",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0103",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0104",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0105",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0106",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0107",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0108",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0109",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0110",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer from bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0111",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer from sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0112",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0113",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0114",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach credit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0115",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach credit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0116",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0117",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0118",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0119",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0120",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0121",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0122",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0123",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0124",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0125",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0126",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0127",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0128",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0129",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer from debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0130",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0131",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0132",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0133",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach credit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0134",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0135",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0136",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0137",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0138",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0139",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0140",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0141",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0142",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0143",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0144",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0145",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0146",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0147",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0148",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0149",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0150",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0151",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0152",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0153",
+      "category": "transfers_cash_money_movement",
+      "pattern": "rtp payment bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0154",
+      "category": "transfers_cash_money_movement",
+      "pattern": "rtp payment sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0155",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0156",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0157",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0158",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0159",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0160",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0161",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0162",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0163",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer from credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0164",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0165",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach bank transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0166",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach book transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0167",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach check deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0168",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach credit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0169",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach meta pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0170",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0171",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0172",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0173",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach venmo payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0174",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach wire transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0175",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0176",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach zelle payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0177",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0178",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash advance bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0179",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash advance sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0180",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0181",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0182",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0183",
+      "category": "transfers_cash_money_movement",
+      "pattern": "facebook pay bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0184",
+      "category": "transfers_cash_money_movement",
+      "pattern": "facebook pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0185",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0186",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0187",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0188",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0189",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p bank transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0190",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p book transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0191",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p check deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0192",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p meta pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0193",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p transfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0194",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p venmo payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0195",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p wire transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0196",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0197",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p zelle payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0198",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0199",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0200",
+      "category": "transfers_cash_money_movement",
+      "pattern": "rtp payment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0201",
+      "category": "transfers_cash_money_movement",
+      "pattern": "same day ach bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0202",
+      "category": "transfers_cash_money_movement",
+      "pattern": "same day ach sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0203",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0204",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web bank transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0205",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web book transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0206",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web check deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0207",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web meta pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0208",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web transfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0209",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web venmo payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0210",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web wire transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0211",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0212",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web zelle payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0213",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach debit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0214",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach atm withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0215",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0216",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach direct deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0217",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach funds transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0218",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach meta pay debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0219",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach mobile deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0220",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach refund deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0221",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach remote deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0222",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0223",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach venmo transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0224",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach withdrawal atm",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal atm",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0225",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer from sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0226",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer to credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0227",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach zelle transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0228",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm deposit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0229",
+      "category": "transfers_cash_money_movement",
+      "pattern": "bank transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0230",
+      "category": "transfers_cash_money_movement",
+      "pattern": "bank transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0231",
+      "category": "transfers_cash_money_movement",
+      "pattern": "book transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0232",
+      "category": "transfers_cash_money_movement",
+      "pattern": "book transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0233",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash advance debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0234",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0235",
+      "category": "transfers_cash_money_movement",
+      "pattern": "check deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0236",
+      "category": "transfers_cash_money_movement",
+      "pattern": "check deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0237",
+      "category": "transfers_cash_money_movement",
+      "pattern": "electronic xfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0238",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0239",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0240",
+      "category": "transfers_cash_money_movement",
+      "pattern": "facebook pay debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0241",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0242",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0243",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0244",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0245",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0246",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0247",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0248",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0249",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach debit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0250",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p atm withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0251",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p direct deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0252",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p funds transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0253",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p meta pay debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0254",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p mobile deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0255",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p refund deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0256",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p remote deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0257",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p venmo transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0258",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p withdrawal atm",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal atm",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0259",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer from sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0260",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer to credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0261",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p zelle transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0262",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0263",
+      "category": "transfers_cash_money_movement",
+      "pattern": "rtp payment credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0264",
+      "category": "transfers_cash_money_movement",
+      "pattern": "same day ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0265",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer from bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0266",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer from sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0267",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer to credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0268",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo payment bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0269",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo payment sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0270",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web ach debit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0271",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web atm withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0272",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web direct deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0273",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web funds transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0274",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web meta pay debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0275",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web mobile deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0276",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web refund deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0277",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web remote deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0278",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web venmo transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0279",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web withdrawal atm",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal atm",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0280",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer from sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0281",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer to credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0282",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web zelle transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0283",
+      "category": "transfers_cash_money_movement",
+      "pattern": "wire transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0284",
+      "category": "transfers_cash_money_movement",
+      "pattern": "wire transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0285",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer from received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0286",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to to savings",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0287",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle payment bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0288",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle payment sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0289",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach credit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0290",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach debit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0291",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach cash withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0292",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach counter deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0293",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach credit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0294",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach meta pay credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0295",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach mobile transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0296",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach online transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0297",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach paypal transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0298",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach payroll deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0299",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0300",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer from debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0301",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm withdrawal bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0302",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm withdrawal sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0303",
+      "category": "transfers_cash_money_movement",
+      "pattern": "bank transfer debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0304",
+      "category": "transfers_cash_money_movement",
+      "pattern": "book transfer debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0305",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash advance credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0306",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash deposit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0307",
+      "category": "transfers_cash_money_movement",
+      "pattern": "check deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0308",
+      "category": "transfers_cash_money_movement",
+      "pattern": "direct deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0309",
+      "category": "transfers_cash_money_movement",
+      "pattern": "direct deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0310",
+      "category": "transfers_cash_money_movement",
+      "pattern": "electronic meta pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0311",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0312",
+      "category": "transfers_cash_money_movement",
+      "pattern": "facebook pay credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0313",
+      "category": "transfers_cash_money_movement",
+      "pattern": "funds transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0314",
+      "category": "transfers_cash_money_movement",
+      "pattern": "funds transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0315",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0316",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay to savings",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0317",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0318",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0319",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0320",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0321",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0322",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0323",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0324",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0325",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0326",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0327",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0328",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0329",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0330",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0331",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach credit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0332",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach debit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0333",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p cash withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0334",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p counter deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0335",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p meta pay credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0336",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p mobile transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0337",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p online transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0338",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p paypal transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0339",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p payroll deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0340",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer from debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0341",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0342",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0343",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0344",
+      "category": "transfers_cash_money_movement",
+      "pattern": "refund deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0345",
+      "category": "transfers_cash_money_movement",
+      "pattern": "refund deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0346",
+      "category": "transfers_cash_money_movement",
+      "pattern": "remote deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0347",
+      "category": "transfers_cash_money_movement",
+      "pattern": "remote deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0348",
+      "category": "transfers_cash_money_movement",
+      "pattern": "same day ach credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0349",
+      "category": "transfers_cash_money_movement",
+      "pattern": "transfer from debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0350",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo payment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0351",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0352",
+      "category": "transfers_cash_money_movement",
+      "pattern": "venmo transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0353",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web ach credit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0354",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web ach debit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0355",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web cash withdrawal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0356",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web counter deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0357",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web meta pay credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0358",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web mobile transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0359",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web online transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0360",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web paypal transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0361",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web payroll deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0362",
+      "category": "transfers_cash_money_movement",
+      "pattern": "web xfer from debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0363",
+      "category": "transfers_cash_money_movement",
+      "pattern": "wire transfer debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0364",
+      "category": "transfers_cash_money_movement",
+      "pattern": "withdrawal atm bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal atm",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0365",
+      "category": "transfers_cash_money_movement",
+      "pattern": "withdrawal atm sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal atm",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0366",
+      "category": "transfers_cash_money_movement",
+      "pattern": "xfer to to checking",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0367",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle payment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0368",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0369",
+      "category": "transfers_cash_money_movement",
+      "pattern": "zelle transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0370",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach account transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "account transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0371",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach credit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0372",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach ach debit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0373",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach atm deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0374",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach debit to savings",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0375",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach deposit transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0376",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach instant transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "instant transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0377",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach rtp payment sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0378",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach savings transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "savings transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0379",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach transfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0380",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach treasury deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "treasury deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0381",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer from credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0382",
+      "category": "transfers_cash_money_movement",
+      "pattern": "ach xfer to received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0383",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm deposit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0384",
+      "category": "transfers_cash_money_movement",
+      "pattern": "atm withdrawal debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0385",
+      "category": "transfers_cash_money_movement",
+      "pattern": "bank transfer credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0386",
+      "category": "transfers_cash_money_movement",
+      "pattern": "book transfer credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0387",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash withdrawal bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0388",
+      "category": "transfers_cash_money_movement",
+      "pattern": "cash withdrawal sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash withdrawal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0389",
+      "category": "transfers_cash_money_movement",
+      "pattern": "check deposit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0390",
+      "category": "transfers_cash_money_movement",
+      "pattern": "counter deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0391",
+      "category": "transfers_cash_money_movement",
+      "pattern": "counter deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0392",
+      "category": "transfers_cash_money_movement",
+      "pattern": "direct deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "direct deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0393",
+      "category": "transfers_cash_money_movement",
+      "pattern": "electronic ach debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0394",
+      "category": "transfers_cash_money_movement",
+      "pattern": "electronic xfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0395",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0396",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0397",
+      "category": "transfers_cash_money_movement",
+      "pattern": "external transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0398",
+      "category": "transfers_cash_money_movement",
+      "pattern": "funds transfer debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "funds transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0399",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal atm deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0400",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal rtp payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0401",
+      "category": "transfers_cash_money_movement",
+      "pattern": "internal transfer to",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0402",
+      "category": "transfers_cash_money_movement",
+      "pattern": "meta pay to checking",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0403",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile bank transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0404",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile book transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0405",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile check deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0406",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0407",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile meta pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0408",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0409",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile transfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0410",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0411",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile venmo payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0412",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile wire transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0413",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile xfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0414",
+      "category": "transfers_cash_money_movement",
+      "pattern": "mobile zelle payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0415",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online bank transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bank transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0416",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online book transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0417",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online check deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "check deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0418",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online meta pay sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meta pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0419",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0420",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online transfer from",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0421",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0422",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online venmo payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "venmo payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0423",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online wire transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wire transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0424",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online xfer to debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0425",
+      "category": "transfers_cash_money_movement",
+      "pattern": "online zelle payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zelle payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0426",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p account transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "account transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0427",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach credit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0428",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p ach debit credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0429",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p atm deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atm deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0430",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p deposit transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0431",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p instant transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "instant transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0432",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p rtp payment sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0433",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p savings transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "savings transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0434",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p transfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "transfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0435",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p treasury deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "treasury deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0436",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer from credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer from",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0437",
+      "category": "transfers_cash_money_movement",
+      "pattern": "p2p xfer to received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0438",
+      "category": "transfers_cash_money_movement",
+      "pattern": "paypal transfer bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0439",
+      "category": "transfers_cash_money_movement",
+      "pattern": "paypal transfer sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0440",
+      "category": "transfers_cash_money_movement",
+      "pattern": "payroll deposit bank",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0441",
+      "category": "transfers_cash_money_movement",
+      "pattern": "payroll deposit sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payroll deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0442",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending ach transfer",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ach transfer",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0443",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending cash advance",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash advance",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0444",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending cash deposit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0445",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending facebook pay",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "facebook pay",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0446",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending same day ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "same day ach",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0447",
+      "category": "transfers_cash_money_movement",
+      "pattern": "pending xfer to sent",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "xfer to",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0448",
+      "category": "transfers_cash_money_movement",
+      "pattern": "refund deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0449",
+      "category": "transfers_cash_money_movement",
+      "pattern": "remote deposit debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "remote deposit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "transfers_cash_money_movement_0450",
+      "category": "transfers_cash_money_movement",
+      "pattern": "rtp payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rtp payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0001",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0002",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0003",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0004",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0005",
+      "category": "payments_credits_refunds",
+      "pattern": "dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0006",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0007",
+      "category": "payments_credits_refunds",
+      "pattern": "online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0008",
+      "category": "payments_credits_refunds",
+      "pattern": "autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0009",
+      "category": "payments_credits_refunds",
+      "pattern": "charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0010",
+      "category": "payments_credits_refunds",
+      "pattern": "courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0011",
+      "category": "payments_credits_refunds",
+      "pattern": "merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0012",
+      "category": "payments_credits_refunds",
+      "pattern": "minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0013",
+      "category": "payments_credits_refunds",
+      "pattern": "purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0014",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0015",
+      "category": "payments_credits_refunds",
+      "pattern": "auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0016",
+      "category": "payments_credits_refunds",
+      "pattern": "payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0017",
+      "category": "payments_credits_refunds",
+      "pattern": "payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0018",
+      "category": "payments_credits_refunds",
+      "pattern": "returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0019",
+      "category": "payments_credits_refunds",
+      "pattern": "statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0020",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0021",
+      "category": "payments_credits_refunds",
+      "pattern": "credit adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0022",
+      "category": "payments_credits_refunds",
+      "pattern": "interest reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0023",
+      "category": "payments_credits_refunds",
+      "pattern": "payment thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment thank you",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0024",
+      "category": "payments_credits_refunds",
+      "pattern": "points redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "points redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0025",
+      "category": "payments_credits_refunds",
+      "pattern": "reward redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reward redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0026",
+      "category": "payments_credits_refunds",
+      "pattern": "thank you payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thank you payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0027",
+      "category": "payments_credits_refunds",
+      "pattern": "balance adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0028",
+      "category": "payments_credits_refunds",
+      "pattern": "deposit correction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0029",
+      "category": "payments_credits_refunds",
+      "pattern": "electronic payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronic payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0030",
+      "category": "payments_credits_refunds",
+      "pattern": "payment adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0031",
+      "category": "payments_credits_refunds",
+      "pattern": "provisional credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "provisional credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0032",
+      "category": "payments_credits_refunds",
+      "pattern": "rewards redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rewards redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0033",
+      "category": "payments_credits_refunds",
+      "pattern": "credit card payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit card payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0034",
+      "category": "payments_credits_refunds",
+      "pattern": "cash back redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash back redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0035",
+      "category": "payments_credits_refunds",
+      "pattern": "withdrawal correction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "withdrawal correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0036",
+      "category": "payments_credits_refunds",
+      "pattern": "duplicate charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "duplicate charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0037",
+      "category": "payments_credits_refunds",
+      "pattern": "ach fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0038",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0039",
+      "category": "payments_credits_refunds",
+      "pattern": "ach rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0040",
+      "category": "payments_credits_refunds",
+      "pattern": "ach refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0041",
+      "category": "payments_credits_refunds",
+      "pattern": "ach return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0042",
+      "category": "payments_credits_refunds",
+      "pattern": "bank fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0043",
+      "category": "payments_credits_refunds",
+      "pattern": "card fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0044",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0045",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0046",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0047",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0048",
+      "category": "payments_credits_refunds",
+      "pattern": "ach dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0049",
+      "category": "payments_credits_refunds",
+      "pattern": "ach mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0050",
+      "category": "payments_credits_refunds",
+      "pattern": "ach online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0051",
+      "category": "payments_credits_refunds",
+      "pattern": "bank rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0052",
+      "category": "payments_credits_refunds",
+      "pattern": "bank refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0053",
+      "category": "payments_credits_refunds",
+      "pattern": "bank return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0054",
+      "category": "payments_credits_refunds",
+      "pattern": "card rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0055",
+      "category": "payments_credits_refunds",
+      "pattern": "card refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0056",
+      "category": "payments_credits_refunds",
+      "pattern": "card return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0057",
+      "category": "payments_credits_refunds",
+      "pattern": "dispute credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0058",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0059",
+      "category": "payments_credits_refunds",
+      "pattern": "online payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0060",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0061",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0062",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0063",
+      "category": "payments_credits_refunds",
+      "pattern": "ach autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0064",
+      "category": "payments_credits_refunds",
+      "pattern": "ach charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0065",
+      "category": "payments_credits_refunds",
+      "pattern": "ach courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0066",
+      "category": "payments_credits_refunds",
+      "pattern": "ach merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0067",
+      "category": "payments_credits_refunds",
+      "pattern": "ach minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0068",
+      "category": "payments_credits_refunds",
+      "pattern": "ach purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0069",
+      "category": "payments_credits_refunds",
+      "pattern": "autopay payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0070",
+      "category": "payments_credits_refunds",
+      "pattern": "bank dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0071",
+      "category": "payments_credits_refunds",
+      "pattern": "bank mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0072",
+      "category": "payments_credits_refunds",
+      "pattern": "bank online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0073",
+      "category": "payments_credits_refunds",
+      "pattern": "card dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0074",
+      "category": "payments_credits_refunds",
+      "pattern": "card mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0075",
+      "category": "payments_credits_refunds",
+      "pattern": "card online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0076",
+      "category": "payments_credits_refunds",
+      "pattern": "charge reversal ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0077",
+      "category": "payments_credits_refunds",
+      "pattern": "courtesy credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0078",
+      "category": "payments_credits_refunds",
+      "pattern": "dispute credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0079",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0080",
+      "category": "payments_credits_refunds",
+      "pattern": "merchant credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0081",
+      "category": "payments_credits_refunds",
+      "pattern": "minimum payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0082",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0083",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0084",
+      "category": "payments_credits_refunds",
+      "pattern": "online fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0085",
+      "category": "payments_credits_refunds",
+      "pattern": "online payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0086",
+      "category": "payments_credits_refunds",
+      "pattern": "purchase return ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0087",
+      "category": "payments_credits_refunds",
+      "pattern": "account fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0088",
+      "category": "payments_credits_refunds",
+      "pattern": "ach adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0089",
+      "category": "payments_credits_refunds",
+      "pattern": "ach auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0090",
+      "category": "payments_credits_refunds",
+      "pattern": "ach payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0091",
+      "category": "payments_credits_refunds",
+      "pattern": "ach payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0092",
+      "category": "payments_credits_refunds",
+      "pattern": "ach returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0093",
+      "category": "payments_credits_refunds",
+      "pattern": "ach statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0094",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment debit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0095",
+      "category": "payments_credits_refunds",
+      "pattern": "auto pay payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0096",
+      "category": "payments_credits_refunds",
+      "pattern": "autopay payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0097",
+      "category": "payments_credits_refunds",
+      "pattern": "bank autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0098",
+      "category": "payments_credits_refunds",
+      "pattern": "bank charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0099",
+      "category": "payments_credits_refunds",
+      "pattern": "bank courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0100",
+      "category": "payments_credits_refunds",
+      "pattern": "bank merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0101",
+      "category": "payments_credits_refunds",
+      "pattern": "bank minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0102",
+      "category": "payments_credits_refunds",
+      "pattern": "bank purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0103",
+      "category": "payments_credits_refunds",
+      "pattern": "card autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0104",
+      "category": "payments_credits_refunds",
+      "pattern": "card charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0105",
+      "category": "payments_credits_refunds",
+      "pattern": "card courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0106",
+      "category": "payments_credits_refunds",
+      "pattern": "card merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0107",
+      "category": "payments_credits_refunds",
+      "pattern": "card minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0108",
+      "category": "payments_credits_refunds",
+      "pattern": "card purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0109",
+      "category": "payments_credits_refunds",
+      "pattern": "charge reversal auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0110",
+      "category": "payments_credits_refunds",
+      "pattern": "courtesy credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0111",
+      "category": "payments_credits_refunds",
+      "pattern": "merchant credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0112",
+      "category": "payments_credits_refunds",
+      "pattern": "minimum payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0113",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0114",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0115",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0116",
+      "category": "payments_credits_refunds",
+      "pattern": "online rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0117",
+      "category": "payments_credits_refunds",
+      "pattern": "online refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0118",
+      "category": "payments_credits_refunds",
+      "pattern": "online return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0119",
+      "category": "payments_credits_refunds",
+      "pattern": "payment received ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0120",
+      "category": "payments_credits_refunds",
+      "pattern": "payment reversal ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0121",
+      "category": "payments_credits_refunds",
+      "pattern": "purchase return auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0122",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0123",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0124",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0125",
+      "category": "payments_credits_refunds",
+      "pattern": "returned payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0126",
+      "category": "payments_credits_refunds",
+      "pattern": "statement credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0127",
+      "category": "payments_credits_refunds",
+      "pattern": "account rebate credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0128",
+      "category": "payments_credits_refunds",
+      "pattern": "account refund credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0129",
+      "category": "payments_credits_refunds",
+      "pattern": "account return credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0130",
+      "category": "payments_credits_refunds",
+      "pattern": "ach adjustment credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0131",
+      "category": "payments_credits_refunds",
+      "pattern": "ach credit adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0132",
+      "category": "payments_credits_refunds",
+      "pattern": "ach interest reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0133",
+      "category": "payments_credits_refunds",
+      "pattern": "ach payment thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment thank you",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0134",
+      "category": "payments_credits_refunds",
+      "pattern": "ach points redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "points redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0135",
+      "category": "payments_credits_refunds",
+      "pattern": "ach reward redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reward redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0136",
+      "category": "payments_credits_refunds",
+      "pattern": "ach thank you payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thank you payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0137",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0138",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment debit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0139",
+      "category": "payments_credits_refunds",
+      "pattern": "auto pay payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0140",
+      "category": "payments_credits_refunds",
+      "pattern": "bank adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0141",
+      "category": "payments_credits_refunds",
+      "pattern": "bank auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0142",
+      "category": "payments_credits_refunds",
+      "pattern": "bank payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0143",
+      "category": "payments_credits_refunds",
+      "pattern": "bank payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0144",
+      "category": "payments_credits_refunds",
+      "pattern": "bank returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0145",
+      "category": "payments_credits_refunds",
+      "pattern": "bank statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0146",
+      "category": "payments_credits_refunds",
+      "pattern": "card adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0147",
+      "category": "payments_credits_refunds",
+      "pattern": "card auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0148",
+      "category": "payments_credits_refunds",
+      "pattern": "card payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0149",
+      "category": "payments_credits_refunds",
+      "pattern": "card payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0150",
+      "category": "payments_credits_refunds",
+      "pattern": "card returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0151",
+      "category": "payments_credits_refunds",
+      "pattern": "card statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0152",
+      "category": "payments_credits_refunds",
+      "pattern": "credit adjustment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0153",
+      "category": "payments_credits_refunds",
+      "pattern": "dispute credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0154",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0155",
+      "category": "payments_credits_refunds",
+      "pattern": "interest reversal ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0156",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0157",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0158",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0159",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile payment posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0160",
+      "category": "payments_credits_refunds",
+      "pattern": "online dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0161",
+      "category": "payments_credits_refunds",
+      "pattern": "online mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0162",
+      "category": "payments_credits_refunds",
+      "pattern": "online online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0163",
+      "category": "payments_credits_refunds",
+      "pattern": "online payment posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0164",
+      "category": "payments_credits_refunds",
+      "pattern": "payment received auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0165",
+      "category": "payments_credits_refunds",
+      "pattern": "payment reversal auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0166",
+      "category": "payments_credits_refunds",
+      "pattern": "payment thank you ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment thank you",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0167",
+      "category": "payments_credits_refunds",
+      "pattern": "points redemption ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "points redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0168",
+      "category": "payments_credits_refunds",
+      "pattern": "returned payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0169",
+      "category": "payments_credits_refunds",
+      "pattern": "reward redemption ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reward redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0170",
+      "category": "payments_credits_refunds",
+      "pattern": "statement credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0171",
+      "category": "payments_credits_refunds",
+      "pattern": "thank you payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thank you payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0172",
+      "category": "payments_credits_refunds",
+      "pattern": "account dispute credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0173",
+      "category": "payments_credits_refunds",
+      "pattern": "account mobile payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0174",
+      "category": "payments_credits_refunds",
+      "pattern": "account online payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0175",
+      "category": "payments_credits_refunds",
+      "pattern": "ach balance adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0176",
+      "category": "payments_credits_refunds",
+      "pattern": "ach deposit correction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0177",
+      "category": "payments_credits_refunds",
+      "pattern": "ach electronic payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronic payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0178",
+      "category": "payments_credits_refunds",
+      "pattern": "ach payment adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0179",
+      "category": "payments_credits_refunds",
+      "pattern": "ach provisional credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "provisional credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0180",
+      "category": "payments_credits_refunds",
+      "pattern": "ach rewards redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rewards redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0181",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0182",
+      "category": "payments_credits_refunds",
+      "pattern": "autopay payment posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0183",
+      "category": "payments_credits_refunds",
+      "pattern": "balance adjustment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0184",
+      "category": "payments_credits_refunds",
+      "pattern": "bank adjustment credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0185",
+      "category": "payments_credits_refunds",
+      "pattern": "bank credit adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0186",
+      "category": "payments_credits_refunds",
+      "pattern": "bank interest reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0187",
+      "category": "payments_credits_refunds",
+      "pattern": "bank payment thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment thank you",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0188",
+      "category": "payments_credits_refunds",
+      "pattern": "bank points redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "points redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0189",
+      "category": "payments_credits_refunds",
+      "pattern": "bank reward redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reward redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0190",
+      "category": "payments_credits_refunds",
+      "pattern": "bank thank you payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thank you payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0191",
+      "category": "payments_credits_refunds",
+      "pattern": "card adjustment credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0192",
+      "category": "payments_credits_refunds",
+      "pattern": "card credit adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0193",
+      "category": "payments_credits_refunds",
+      "pattern": "card interest reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0194",
+      "category": "payments_credits_refunds",
+      "pattern": "card payment thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment thank you",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0195",
+      "category": "payments_credits_refunds",
+      "pattern": "card points redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "points redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0196",
+      "category": "payments_credits_refunds",
+      "pattern": "card reward redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reward redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0197",
+      "category": "payments_credits_refunds",
+      "pattern": "card thank you payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thank you payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0198",
+      "category": "payments_credits_refunds",
+      "pattern": "charge reversal posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0199",
+      "category": "payments_credits_refunds",
+      "pattern": "courtesy credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0200",
+      "category": "payments_credits_refunds",
+      "pattern": "credit adjustment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0201",
+      "category": "payments_credits_refunds",
+      "pattern": "deposit correction ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0202",
+      "category": "payments_credits_refunds",
+      "pattern": "electronic payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronic payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0203",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal processed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0204",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal recurring",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0205",
+      "category": "payments_credits_refunds",
+      "pattern": "fee reversal thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0206",
+      "category": "payments_credits_refunds",
+      "pattern": "interest reversal auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "interest reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0207",
+      "category": "payments_credits_refunds",
+      "pattern": "merchant credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0208",
+      "category": "payments_credits_refunds",
+      "pattern": "minimum payment posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0209",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0210",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0211",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0212",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0213",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0214",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0215",
+      "category": "payments_credits_refunds",
+      "pattern": "online autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0216",
+      "category": "payments_credits_refunds",
+      "pattern": "online charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0217",
+      "category": "payments_credits_refunds",
+      "pattern": "online courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0218",
+      "category": "payments_credits_refunds",
+      "pattern": "online merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0219",
+      "category": "payments_credits_refunds",
+      "pattern": "online minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0220",
+      "category": "payments_credits_refunds",
+      "pattern": "online purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0221",
+      "category": "payments_credits_refunds",
+      "pattern": "payment adjustment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0222",
+      "category": "payments_credits_refunds",
+      "pattern": "payment thank you auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment thank you",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0223",
+      "category": "payments_credits_refunds",
+      "pattern": "points redemption auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "points redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0224",
+      "category": "payments_credits_refunds",
+      "pattern": "provisional credit ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "provisional credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0225",
+      "category": "payments_credits_refunds",
+      "pattern": "purchase return posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0226",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0227",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0228",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0229",
+      "category": "payments_credits_refunds",
+      "pattern": "reward redemption auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reward redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0230",
+      "category": "payments_credits_refunds",
+      "pattern": "rewards redemption ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rewards redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0231",
+      "category": "payments_credits_refunds",
+      "pattern": "thank you payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thank you payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0232",
+      "category": "payments_credits_refunds",
+      "pattern": "account autopay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0233",
+      "category": "payments_credits_refunds",
+      "pattern": "account charge reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "charge reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0234",
+      "category": "payments_credits_refunds",
+      "pattern": "account courtesy credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtesy credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0235",
+      "category": "payments_credits_refunds",
+      "pattern": "account merchant credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "merchant credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0236",
+      "category": "payments_credits_refunds",
+      "pattern": "account minimum payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "minimum payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0237",
+      "category": "payments_credits_refunds",
+      "pattern": "account purchase return",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "purchase return",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0238",
+      "category": "payments_credits_refunds",
+      "pattern": "ach credit card payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit card payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0239",
+      "category": "payments_credits_refunds",
+      "pattern": "ach fee reversal posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0240",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment debit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0241",
+      "category": "payments_credits_refunds",
+      "pattern": "auto pay payment posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0242",
+      "category": "payments_credits_refunds",
+      "pattern": "balance adjustment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0243",
+      "category": "payments_credits_refunds",
+      "pattern": "bank balance adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0244",
+      "category": "payments_credits_refunds",
+      "pattern": "bank deposit correction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0245",
+      "category": "payments_credits_refunds",
+      "pattern": "bank electronic payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronic payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0246",
+      "category": "payments_credits_refunds",
+      "pattern": "bank payment adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0247",
+      "category": "payments_credits_refunds",
+      "pattern": "bank provisional credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "provisional credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0248",
+      "category": "payments_credits_refunds",
+      "pattern": "bank rewards redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rewards redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0249",
+      "category": "payments_credits_refunds",
+      "pattern": "card balance adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "balance adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0250",
+      "category": "payments_credits_refunds",
+      "pattern": "card deposit correction",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0251",
+      "category": "payments_credits_refunds",
+      "pattern": "card electronic payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronic payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0252",
+      "category": "payments_credits_refunds",
+      "pattern": "card payment adjustment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0253",
+      "category": "payments_credits_refunds",
+      "pattern": "card provisional credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "provisional credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0254",
+      "category": "payments_credits_refunds",
+      "pattern": "card rewards redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rewards redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0255",
+      "category": "payments_credits_refunds",
+      "pattern": "credit card payment ach",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit card payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0256",
+      "category": "payments_credits_refunds",
+      "pattern": "deposit correction auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "deposit correction",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0257",
+      "category": "payments_credits_refunds",
+      "pattern": "dispute credit received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dispute credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0258",
+      "category": "payments_credits_refunds",
+      "pattern": "electronic fee reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fee reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0259",
+      "category": "payments_credits_refunds",
+      "pattern": "electronic payment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronic payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0260",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0261",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0262",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0263",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0264",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0265",
+      "category": "payments_credits_refunds",
+      "pattern": "mobile statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0266",
+      "category": "payments_credits_refunds",
+      "pattern": "online adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0267",
+      "category": "payments_credits_refunds",
+      "pattern": "online auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0268",
+      "category": "payments_credits_refunds",
+      "pattern": "online payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0269",
+      "category": "payments_credits_refunds",
+      "pattern": "online payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0270",
+      "category": "payments_credits_refunds",
+      "pattern": "online returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0271",
+      "category": "payments_credits_refunds",
+      "pattern": "online statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0272",
+      "category": "payments_credits_refunds",
+      "pattern": "payment adjustment auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment adjustment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0273",
+      "category": "payments_credits_refunds",
+      "pattern": "payment received posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0274",
+      "category": "payments_credits_refunds",
+      "pattern": "payment reversal posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0275",
+      "category": "payments_credits_refunds",
+      "pattern": "provisional credit auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "provisional credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0276",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit processed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0277",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit recurring",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0278",
+      "category": "payments_credits_refunds",
+      "pattern": "rebate credit thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0279",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit processed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0280",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit recurring",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0281",
+      "category": "payments_credits_refunds",
+      "pattern": "refund credit thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0282",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit processed",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0283",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit recurring",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0284",
+      "category": "payments_credits_refunds",
+      "pattern": "return credit thank you",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0285",
+      "category": "payments_credits_refunds",
+      "pattern": "returned payment posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0286",
+      "category": "payments_credits_refunds",
+      "pattern": "rewards redemption auto",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rewards redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0287",
+      "category": "payments_credits_refunds",
+      "pattern": "statement credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0288",
+      "category": "payments_credits_refunds",
+      "pattern": "account adjustment debit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment debit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0289",
+      "category": "payments_credits_refunds",
+      "pattern": "account auto pay payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto pay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0290",
+      "category": "payments_credits_refunds",
+      "pattern": "account payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment received",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0291",
+      "category": "payments_credits_refunds",
+      "pattern": "account payment reversal",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "payment reversal",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0292",
+      "category": "payments_credits_refunds",
+      "pattern": "account returned payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "returned payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0293",
+      "category": "payments_credits_refunds",
+      "pattern": "account statement credit",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "statement credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0294",
+      "category": "payments_credits_refunds",
+      "pattern": "ach cash back redemption",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash back redemption",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0295",
+      "category": "payments_credits_refunds",
+      "pattern": "ach rebate credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rebate credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0296",
+      "category": "payments_credits_refunds",
+      "pattern": "ach refund credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "refund credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0297",
+      "category": "payments_credits_refunds",
+      "pattern": "ach return credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "return credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0298",
+      "category": "payments_credits_refunds",
+      "pattern": "adjustment credit posted",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adjustment credit",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0299",
+      "category": "payments_credits_refunds",
+      "pattern": "autopay payment received",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autopay payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "payments_credits_refunds_0300",
+      "category": "payments_credits_refunds",
+      "pattern": "bank credit card payment",
+      "match_type": "contains_normalized",
+      "confidence": "high",
+      "suggested_action": "hide_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "credit card payment",
+      "source_hint": null,
+      "rationale": "Obvious fee, interest, payment, refund, cash, or money-movement transaction; normally not a bill to create."
+    },
+    {
+      "id": "gas_stations_convenience_0001",
+      "category": "gas_stations_convenience",
+      "pattern": "76 #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0002",
+      "category": "gas_stations_convenience",
+      "pattern": "bp #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0003",
+      "category": "gas_stations_convenience",
+      "pattern": "qt #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0004",
+      "category": "gas_stations_convenience",
+      "pattern": "ampm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ampm",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0005",
+      "category": "gas_stations_convenience",
+      "pattern": "arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0006",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0007",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0008",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0009",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0010",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0011",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0012",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0013",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0014",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0015",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0016",
+      "category": "gas_stations_convenience",
+      "pattern": "shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0017",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0018",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0019",
+      "category": "gas_stations_convenience",
+      "pattern": "bp oil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp oil",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0020",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0021",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0022",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0023",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0024",
+      "category": "gas_stations_convenience",
+      "pattern": "love's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0025",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0026",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0027",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0028",
+      "category": "gas_stations_convenience",
+      "pattern": "valero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0029",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0030",
+      "category": "gas_stations_convenience",
+      "pattern": "b quick",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b quick",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0031",
+      "category": "gas_stations_convenience",
+      "pattern": "c store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "c store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0032",
+      "category": "gas_stations_convenience",
+      "pattern": "c-store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "c-store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0033",
+      "category": "gas_stations_convenience",
+      "pattern": "casey's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "casey's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0034",
+      "category": "gas_stations_convenience",
+      "pattern": "chevron",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chevron",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0035",
+      "category": "gas_stations_convenience",
+      "pattern": "circlek",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "circlek",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0036",
+      "category": "gas_stations_convenience",
+      "pattern": "jet pep",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jet pep",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0037",
+      "category": "gas_stations_convenience",
+      "pattern": "maverik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maverik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0038",
+      "category": "gas_stations_convenience",
+      "pattern": "par mar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "par mar",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0039",
+      "category": "gas_stations_convenience",
+      "pattern": "raceway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raceway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0040",
+      "category": "gas_stations_convenience",
+      "pattern": "rutters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutters",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0041",
+      "category": "gas_stations_convenience",
+      "pattern": "stripes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stripes",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0042",
+      "category": "gas_stations_convenience",
+      "pattern": "7 eleven",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 eleven",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0043",
+      "category": "gas_stations_convenience",
+      "pattern": "7-eleven",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7-eleven",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0044",
+      "category": "gas_stations_convenience",
+      "pattern": "allsup's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsup's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0045",
+      "category": "gas_stations_convenience",
+      "pattern": "buc-ee's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "buc-ee's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0046",
+      "category": "gas_stations_convenience",
+      "pattern": "circle k",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "circle k",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0047",
+      "category": "gas_stations_convenience",
+      "pattern": "enmarket",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "enmarket",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0048",
+      "category": "gas_stations_convenience",
+      "pattern": "fleetway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fleetway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0049",
+      "category": "gas_stations_convenience",
+      "pattern": "flying j",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "flying j",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0050",
+      "category": "gas_stations_convenience",
+      "pattern": "gas mart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gas mart",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0051",
+      "category": "gas_stations_convenience",
+      "pattern": "gas pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gas pump",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0052",
+      "category": "gas_stations_convenience",
+      "pattern": "gulf oil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gulf oil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0053",
+      "category": "gas_stations_convenience",
+      "pattern": "marathon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marathon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0054",
+      "category": "gas_stations_convenience",
+      "pattern": "quiktrip",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiktrip",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0055",
+      "category": "gas_stations_convenience",
+      "pattern": "racetrac",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "racetrac",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0056",
+      "category": "gas_stations_convenience",
+      "pattern": "rutter's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutter's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0057",
+      "category": "gas_stations_convenience",
+      "pattern": "sinclair",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sinclair",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0058",
+      "category": "gas_stations_convenience",
+      "pattern": "speedway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "speedway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0059",
+      "category": "gas_stations_convenience",
+      "pattern": "ta petro",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ta petro",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0060",
+      "category": "gas_stations_convenience",
+      "pattern": "711 store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "711 store",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0061",
+      "category": "gas_stations_convenience",
+      "pattern": "arco ampm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco ampm",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0062",
+      "category": "gas_stations_convenience",
+      "pattern": "clark oil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "clark oil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0063",
+      "category": "gas_stations_convenience",
+      "pattern": "fuel mart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fuel mart",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0064",
+      "category": "gas_stations_convenience",
+      "pattern": "kwik star",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kwik star",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0065",
+      "category": "gas_stations_convenience",
+      "pattern": "kwik trip",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kwik trip",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0066",
+      "category": "gas_stations_convenience",
+      "pattern": "petroleum",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petroleum",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0067",
+      "category": "gas_stations_convenience",
+      "pattern": "quickchek",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quickchek",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0068",
+      "category": "gas_stations_convenience",
+      "pattern": "shell oil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell oil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0069",
+      "category": "gas_stations_convenience",
+      "pattern": "smokemart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "smokemart",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0070",
+      "category": "gas_stations_convenience",
+      "pattern": "stop n go",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop n go",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0071",
+      "category": "gas_stations_convenience",
+      "pattern": "thorntons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thorntons",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0072",
+      "category": "gas_stations_convenience",
+      "pattern": "costco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco gas",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0073",
+      "category": "gas_stations_convenience",
+      "pattern": "exxonmobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxonmobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0074",
+      "category": "gas_stations_convenience",
+      "pattern": "fast break",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fast break",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0075",
+      "category": "gas_stations_convenience",
+      "pattern": "fuel kiosk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fuel kiosk",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0076",
+      "category": "gas_stations_convenience",
+      "pattern": "hy vee gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee gas",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0077",
+      "category": "gas_stations_convenience",
+      "pattern": "hy-vee gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee gas",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0078",
+      "category": "gas_stations_convenience",
+      "pattern": "kum and go",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kum and go",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0079",
+      "category": "gas_stations_convenience",
+      "pattern": "meijer gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer gas",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0080",
+      "category": "gas_stations_convenience",
+      "pattern": "murphy usa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "murphy usa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0081",
+      "category": "gas_stations_convenience",
+      "pattern": "quick stop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quick stop",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0082",
+      "category": "gas_stations_convenience",
+      "pattern": "quick trip",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quick trip",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0083",
+      "category": "gas_stations_convenience",
+      "pattern": "truck stop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "truck stop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0084",
+      "category": "gas_stations_convenience",
+      "pattern": "costco fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco fuel",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0085",
+      "category": "gas_stations_convenience",
+      "pattern": "diesel fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "diesel fuel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0086",
+      "category": "gas_stations_convenience",
+      "pattern": "gas station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gas station",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0087",
+      "category": "gas_stations_convenience",
+      "pattern": "holiday oil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "holiday oil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0088",
+      "category": "gas_stations_convenience",
+      "pattern": "pay at pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pay at pump",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0089",
+      "category": "gas_stations_convenience",
+      "pattern": "phillips 66",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "phillips 66",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0090",
+      "category": "gas_stations_convenience",
+      "pattern": "road ranger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "road ranger",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0091",
+      "category": "gas_stations_convenience",
+      "pattern": "royal farms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "royal farms",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0092",
+      "category": "gas_stations_convenience",
+      "pattern": "speedy stop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "speedy stop",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0093",
+      "category": "gas_stations_convenience",
+      "pattern": "sprint mart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprint mart",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0094",
+      "category": "gas_stations_convenience",
+      "pattern": "stop and go",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop and go",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0095",
+      "category": "gas_stations_convenience",
+      "pattern": "twice daily",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "twice daily",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0096",
+      "category": "gas_stations_convenience",
+      "pattern": "double quick",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "double quick",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0097",
+      "category": "gas_stations_convenience",
+      "pattern": "loves travel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loves travel",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0098",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot travel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot travel",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0099",
+      "category": "gas_stations_convenience",
+      "pattern": "speedway llc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "speedway llc",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0100",
+      "category": "gas_stations_convenience",
+      "pattern": "superamerica",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "superamerica",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0101",
+      "category": "gas_stations_convenience",
+      "pattern": "travel plaza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "travel plaza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0102",
+      "category": "gas_stations_convenience",
+      "pattern": "walmart fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart fuel",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0103",
+      "category": "gas_stations_convenience",
+      "pattern": "dodges stores",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dodges stores",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0104",
+      "category": "gas_stations_convenience",
+      "pattern": "fuel purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fuel purchase",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0105",
+      "category": "gas_stations_convenience",
+      "pattern": "love's travel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's travel",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0106",
+      "category": "gas_stations_convenience",
+      "pattern": "unleaded fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "unleaded fuel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0107",
+      "category": "gas_stations_convenience",
+      "pattern": "blue sky store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "blue sky store",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0108",
+      "category": "gas_stations_convenience",
+      "pattern": "conocophillips",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conocophillips",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0109",
+      "category": "gas_stations_convenience",
+      "pattern": "cowboy maloney",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cowboy maloney",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0110",
+      "category": "gas_stations_convenience",
+      "pattern": "dodge's stores",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dodge's stores",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0111",
+      "category": "gas_stations_convenience",
+      "pattern": "fuel dispenser",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fuel dispenser",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0112",
+      "category": "gas_stations_convenience",
+      "pattern": "gate petroleum",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gate petroleum",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0113",
+      "category": "gas_stations_convenience",
+      "pattern": "murphy express",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "murphy express",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0114",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot flying j",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot flying j",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0115",
+      "category": "gas_stations_convenience",
+      "pattern": "sams club fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sams club fuel",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0116",
+      "category": "gas_stations_convenience",
+      "pattern": "speedy rewards",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "speedy rewards",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0117",
+      "category": "gas_stations_convenience",
+      "pattern": "holiday station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "holiday station",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0118",
+      "category": "gas_stations_convenience",
+      "pattern": "sam's club fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sam's club fuel",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0119",
+      "category": "gas_stations_convenience",
+      "pattern": "service station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "service station",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0120",
+      "category": "gas_stations_convenience",
+      "pattern": "inside sale fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "inside sale fuel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0121",
+      "category": "gas_stations_convenience",
+      "pattern": "kangaroo express",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kangaroo express",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0122",
+      "category": "gas_stations_convenience",
+      "pattern": "shop n save fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shop n save fuel",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0123",
+      "category": "gas_stations_convenience",
+      "pattern": "ta travel center",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ta travel center",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0124",
+      "category": "gas_stations_convenience",
+      "pattern": "casey's gen store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "casey's gen store",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0125",
+      "category": "gas_stations_convenience",
+      "pattern": "convenience store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "convenience store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0126",
+      "category": "gas_stations_convenience",
+      "pattern": "loves travel stop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "loves travel stop",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0127",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot travel center #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot travel center",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0128",
+      "category": "gas_stations_convenience",
+      "pattern": "valero corner store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero corner store",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0129",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys general store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys general store",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0130",
+      "category": "gas_stations_convenience",
+      "pattern": "holiday stationstores",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "holiday stationstores",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0131",
+      "category": "gas_stations_convenience",
+      "pattern": "petro stopping center",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petro stopping center",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0132",
+      "category": "gas_stations_convenience",
+      "pattern": "shell service station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell service station",
+      "source_hint": "v1_seed_file",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0133",
+      "category": "gas_stations_convenience",
+      "pattern": "automated fuel dispenser",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "automated fuel dispenser",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0134",
+      "category": "gas_stations_convenience",
+      "pattern": "travelcenters of america",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "travelcenters of america",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0135",
+      "category": "gas_stations_convenience",
+      "pattern": "76 ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0136",
+      "category": "gas_stations_convenience",
+      "pattern": "bp ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0137",
+      "category": "gas_stations_convenience",
+      "pattern": "mc 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0138",
+      "category": "gas_stations_convenience",
+      "pattern": "mc bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0139",
+      "category": "gas_stations_convenience",
+      "pattern": "mc qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0140",
+      "category": "gas_stations_convenience",
+      "pattern": "qt ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0141",
+      "category": "gas_stations_convenience",
+      "pattern": "sp 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0142",
+      "category": "gas_stations_convenience",
+      "pattern": "sp bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0143",
+      "category": "gas_stations_convenience",
+      "pattern": "sp qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0144",
+      "category": "gas_stations_convenience",
+      "pattern": "76 app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0145",
+      "category": "gas_stations_convenience",
+      "pattern": "76 gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0146",
+      "category": "gas_stations_convenience",
+      "pattern": "76 pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0147",
+      "category": "gas_stations_convenience",
+      "pattern": "76.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0148",
+      "category": "gas_stations_convenience",
+      "pattern": "arco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0149",
+      "category": "gas_stations_convenience",
+      "pattern": "bp app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0150",
+      "category": "gas_stations_convenience",
+      "pattern": "bp gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0151",
+      "category": "gas_stations_convenience",
+      "pattern": "bp pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0152",
+      "category": "gas_stations_convenience",
+      "pattern": "bp.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0153",
+      "category": "gas_stations_convenience",
+      "pattern": "pos 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0154",
+      "category": "gas_stations_convenience",
+      "pattern": "pos bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0155",
+      "category": "gas_stations_convenience",
+      "pattern": "pos qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0156",
+      "category": "gas_stations_convenience",
+      "pattern": "qt app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0157",
+      "category": "gas_stations_convenience",
+      "pattern": "qt gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0158",
+      "category": "gas_stations_convenience",
+      "pattern": "qt pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0159",
+      "category": "gas_stations_convenience",
+      "pattern": "qt.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0160",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0161",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0162",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0163",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0164",
+      "category": "gas_stations_convenience",
+      "pattern": "76 card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0165",
+      "category": "gas_stations_convenience",
+      "pattern": "76 fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0166",
+      "category": "gas_stations_convenience",
+      "pattern": "76 pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0167",
+      "category": "gas_stations_convenience",
+      "pattern": "amex 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0168",
+      "category": "gas_stations_convenience",
+      "pattern": "amex bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0169",
+      "category": "gas_stations_convenience",
+      "pattern": "amex qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0170",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0171",
+      "category": "gas_stations_convenience",
+      "pattern": "arco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0172",
+      "category": "gas_stations_convenience",
+      "pattern": "bp card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0173",
+      "category": "gas_stations_convenience",
+      "pattern": "bp fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0174",
+      "category": "gas_stations_convenience",
+      "pattern": "bp pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0175",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0176",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0177",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0178",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0179",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0180",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0181",
+      "category": "gas_stations_convenience",
+      "pattern": "mc arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0182",
+      "category": "gas_stations_convenience",
+      "pattern": "mc wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0183",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0184",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0185",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0186",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0187",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0188",
+      "category": "gas_stations_convenience",
+      "pattern": "qt card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0189",
+      "category": "gas_stations_convenience",
+      "pattern": "qt fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0190",
+      "category": "gas_stations_convenience",
+      "pattern": "qt pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0191",
+      "category": "gas_stations_convenience",
+      "pattern": "shell #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0192",
+      "category": "gas_stations_convenience",
+      "pattern": "sp arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0193",
+      "category": "gas_stations_convenience",
+      "pattern": "sp wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0194",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0195",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0196",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0197",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0198",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0199",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0200",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0201",
+      "category": "gas_stations_convenience",
+      "pattern": "visa 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0202",
+      "category": "gas_stations_convenience",
+      "pattern": "visa bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0203",
+      "category": "gas_stations_convenience",
+      "pattern": "visa qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0204",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0205",
+      "category": "gas_stations_convenience",
+      "pattern": "76 debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0206",
+      "category": "gas_stations_convenience",
+      "pattern": "76 store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0207",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0208",
+      "category": "gas_stations_convenience",
+      "pattern": "arco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0209",
+      "category": "gas_stations_convenience",
+      "pattern": "arco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0210",
+      "category": "gas_stations_convenience",
+      "pattern": "arco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0211",
+      "category": "gas_stations_convenience",
+      "pattern": "arco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0212",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0213",
+      "category": "gas_stations_convenience",
+      "pattern": "bp debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0214",
+      "category": "gas_stations_convenience",
+      "pattern": "bp store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0215",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0216",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0217",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0218",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0219",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0220",
+      "category": "gas_stations_convenience",
+      "pattern": "debit 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0221",
+      "category": "gas_stations_convenience",
+      "pattern": "debit bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0222",
+      "category": "gas_stations_convenience",
+      "pattern": "debit qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0223",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0224",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0225",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0226",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0227",
+      "category": "gas_stations_convenience",
+      "pattern": "love's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0228",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0229",
+      "category": "gas_stations_convenience",
+      "pattern": "mc amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0230",
+      "category": "gas_stations_convenience",
+      "pattern": "mc cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0231",
+      "category": "gas_stations_convenience",
+      "pattern": "mc citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0232",
+      "category": "gas_stations_convenience",
+      "pattern": "mc exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0233",
+      "category": "gas_stations_convenience",
+      "pattern": "mc getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0234",
+      "category": "gas_stations_convenience",
+      "pattern": "mc hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0235",
+      "category": "gas_stations_convenience",
+      "pattern": "mc mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0236",
+      "category": "gas_stations_convenience",
+      "pattern": "mc mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0237",
+      "category": "gas_stations_convenience",
+      "pattern": "mc pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0238",
+      "category": "gas_stations_convenience",
+      "pattern": "mc shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0239",
+      "category": "gas_stations_convenience",
+      "pattern": "mc spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0240",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0241",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0242",
+      "category": "gas_stations_convenience",
+      "pattern": "pos arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0243",
+      "category": "gas_stations_convenience",
+      "pattern": "pos wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0244",
+      "category": "gas_stations_convenience",
+      "pattern": "qt debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0245",
+      "category": "gas_stations_convenience",
+      "pattern": "qt store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0246",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0247",
+      "category": "gas_stations_convenience",
+      "pattern": "shell ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0248",
+      "category": "gas_stations_convenience",
+      "pattern": "sp amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0249",
+      "category": "gas_stations_convenience",
+      "pattern": "sp cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0250",
+      "category": "gas_stations_convenience",
+      "pattern": "sp citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0251",
+      "category": "gas_stations_convenience",
+      "pattern": "sp exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0252",
+      "category": "gas_stations_convenience",
+      "pattern": "sp getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0253",
+      "category": "gas_stations_convenience",
+      "pattern": "sp hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0254",
+      "category": "gas_stations_convenience",
+      "pattern": "sp mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0255",
+      "category": "gas_stations_convenience",
+      "pattern": "sp mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0256",
+      "category": "gas_stations_convenience",
+      "pattern": "sp pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0257",
+      "category": "gas_stations_convenience",
+      "pattern": "sp shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0258",
+      "category": "gas_stations_convenience",
+      "pattern": "sp spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0259",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0260",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0261",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0262",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0263",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0264",
+      "category": "gas_stations_convenience",
+      "pattern": "toast 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0265",
+      "category": "gas_stations_convenience",
+      "pattern": "toast bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0266",
+      "category": "gas_stations_convenience",
+      "pattern": "toast qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0267",
+      "category": "gas_stations_convenience",
+      "pattern": "valero #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0268",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0269",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0270",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0271",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0272",
+      "category": "gas_stations_convenience",
+      "pattern": "76 inside",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0273",
+      "category": "gas_stations_convenience",
+      "pattern": "76 online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0274",
+      "category": "gas_stations_convenience",
+      "pattern": "76 oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0275",
+      "category": "gas_stations_convenience",
+      "pattern": "76 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0276",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0277",
+      "category": "gas_stations_convenience",
+      "pattern": "amex arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0278",
+      "category": "gas_stations_convenience",
+      "pattern": "amex wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0279",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0280",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0281",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0282",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0283",
+      "category": "gas_stations_convenience",
+      "pattern": "arco card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0284",
+      "category": "gas_stations_convenience",
+      "pattern": "arco fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0285",
+      "category": "gas_stations_convenience",
+      "pattern": "arco pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0286",
+      "category": "gas_stations_convenience",
+      "pattern": "b quick #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b quick",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0287",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0288",
+      "category": "gas_stations_convenience",
+      "pattern": "bp inside",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0289",
+      "category": "gas_stations_convenience",
+      "pattern": "bp online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0290",
+      "category": "gas_stations_convenience",
+      "pattern": "bp oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0291",
+      "category": "gas_stations_convenience",
+      "pattern": "bp tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0292",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0293",
+      "category": "gas_stations_convenience",
+      "pattern": "casey's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "casey's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0294",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0295",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0296",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0297",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0298",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0299",
+      "category": "gas_stations_convenience",
+      "pattern": "chevron #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chevron",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0300",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0301",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0302",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0303",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0304",
+      "category": "gas_stations_convenience",
+      "pattern": "clover 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0305",
+      "category": "gas_stations_convenience",
+      "pattern": "clover bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0306",
+      "category": "gas_stations_convenience",
+      "pattern": "clover qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0307",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0308",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0309",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0310",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0311",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0312",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0313",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0314",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0315",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0316",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0317",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0318",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0319",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0320",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0321",
+      "category": "gas_stations_convenience",
+      "pattern": "jet pep #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jet pep",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0322",
+      "category": "gas_stations_convenience",
+      "pattern": "love's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0323",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0324",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0325",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0326",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0327",
+      "category": "gas_stations_convenience",
+      "pattern": "maverik #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maverik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0328",
+      "category": "gas_stations_convenience",
+      "pattern": "mc b-quik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0329",
+      "category": "gas_stations_convenience",
+      "pattern": "mc bucees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0330",
+      "category": "gas_stations_convenience",
+      "pattern": "mc caseys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0331",
+      "category": "gas_stations_convenience",
+      "pattern": "mc conoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0332",
+      "category": "gas_stations_convenience",
+      "pattern": "mc huck's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0333",
+      "category": "gas_stations_convenience",
+      "pattern": "mc love's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0334",
+      "category": "gas_stations_convenience",
+      "pattern": "mc sheetz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0335",
+      "category": "gas_stations_convenience",
+      "pattern": "mc sunoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0336",
+      "category": "gas_stations_convenience",
+      "pattern": "mc texaco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0337",
+      "category": "gas_stations_convenience",
+      "pattern": "mc valero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0338",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0339",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0340",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0341",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0342",
+      "category": "gas_stations_convenience",
+      "pattern": "par mar #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "par mar",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0343",
+      "category": "gas_stations_convenience",
+      "pattern": "paypal 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0344",
+      "category": "gas_stations_convenience",
+      "pattern": "paypal bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0345",
+      "category": "gas_stations_convenience",
+      "pattern": "paypal qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0346",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0347",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0348",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0349",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0350",
+      "category": "gas_stations_convenience",
+      "pattern": "pos amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0351",
+      "category": "gas_stations_convenience",
+      "pattern": "pos cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0352",
+      "category": "gas_stations_convenience",
+      "pattern": "pos citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0353",
+      "category": "gas_stations_convenience",
+      "pattern": "pos exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0354",
+      "category": "gas_stations_convenience",
+      "pattern": "pos getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0355",
+      "category": "gas_stations_convenience",
+      "pattern": "pos hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0356",
+      "category": "gas_stations_convenience",
+      "pattern": "pos mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0357",
+      "category": "gas_stations_convenience",
+      "pattern": "pos mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0358",
+      "category": "gas_stations_convenience",
+      "pattern": "pos pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0359",
+      "category": "gas_stations_convenience",
+      "pattern": "pos shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0360",
+      "category": "gas_stations_convenience",
+      "pattern": "pos spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0361",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0362",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0363",
+      "category": "gas_stations_convenience",
+      "pattern": "qt inside",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0364",
+      "category": "gas_stations_convenience",
+      "pattern": "qt online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0365",
+      "category": "gas_stations_convenience",
+      "pattern": "qt oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0366",
+      "category": "gas_stations_convenience",
+      "pattern": "qt tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0367",
+      "category": "gas_stations_convenience",
+      "pattern": "raceway #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raceway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0368",
+      "category": "gas_stations_convenience",
+      "pattern": "rutters #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutters",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0369",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0370",
+      "category": "gas_stations_convenience",
+      "pattern": "shell app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0371",
+      "category": "gas_stations_convenience",
+      "pattern": "shell gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0372",
+      "category": "gas_stations_convenience",
+      "pattern": "shell pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0373",
+      "category": "gas_stations_convenience",
+      "pattern": "shell.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0374",
+      "category": "gas_stations_convenience",
+      "pattern": "sp b-quik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0375",
+      "category": "gas_stations_convenience",
+      "pattern": "sp bucees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0376",
+      "category": "gas_stations_convenience",
+      "pattern": "sp caseys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0377",
+      "category": "gas_stations_convenience",
+      "pattern": "sp conoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0378",
+      "category": "gas_stations_convenience",
+      "pattern": "sp huck's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0379",
+      "category": "gas_stations_convenience",
+      "pattern": "sp love's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0380",
+      "category": "gas_stations_convenience",
+      "pattern": "sp sheetz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0381",
+      "category": "gas_stations_convenience",
+      "pattern": "sp sunoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0382",
+      "category": "gas_stations_convenience",
+      "pattern": "sp texaco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0383",
+      "category": "gas_stations_convenience",
+      "pattern": "sp valero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0384",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0385",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0386",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0387",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0388",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0389",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0390",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0391",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0392",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0393",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0394",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0395",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0396",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0397",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0398",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0399",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0400",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0401",
+      "category": "gas_stations_convenience",
+      "pattern": "stripe 76",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0402",
+      "category": "gas_stations_convenience",
+      "pattern": "stripe bp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0403",
+      "category": "gas_stations_convenience",
+      "pattern": "stripe qt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0404",
+      "category": "gas_stations_convenience",
+      "pattern": "stripes #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stripes",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0405",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0406",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0407",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0408",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0409",
+      "category": "gas_stations_convenience",
+      "pattern": "valero ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0410",
+      "category": "gas_stations_convenience",
+      "pattern": "visa arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0411",
+      "category": "gas_stations_convenience",
+      "pattern": "visa wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0412",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0413",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0414",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0415",
+      "category": "gas_stations_convenience",
+      "pattern": "76 c-store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0416",
+      "category": "gas_stations_convenience",
+      "pattern": "76 memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0417",
+      "category": "gas_stations_convenience",
+      "pattern": "76 station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0418",
+      "category": "gas_stations_convenience",
+      "pattern": "76 store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0419",
+      "category": "gas_stations_convenience",
+      "pattern": "allsup's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsup's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0420",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0421",
+      "category": "gas_stations_convenience",
+      "pattern": "amex amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0422",
+      "category": "gas_stations_convenience",
+      "pattern": "amex cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0423",
+      "category": "gas_stations_convenience",
+      "pattern": "amex citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0424",
+      "category": "gas_stations_convenience",
+      "pattern": "amex exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0425",
+      "category": "gas_stations_convenience",
+      "pattern": "amex getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0426",
+      "category": "gas_stations_convenience",
+      "pattern": "amex hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0427",
+      "category": "gas_stations_convenience",
+      "pattern": "amex mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0428",
+      "category": "gas_stations_convenience",
+      "pattern": "amex mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0429",
+      "category": "gas_stations_convenience",
+      "pattern": "amex pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0430",
+      "category": "gas_stations_convenience",
+      "pattern": "amex shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0431",
+      "category": "gas_stations_convenience",
+      "pattern": "amex spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0432",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0433",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0434",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0435",
+      "category": "gas_stations_convenience",
+      "pattern": "arco debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0436",
+      "category": "gas_stations_convenience",
+      "pattern": "arco store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0437",
+      "category": "gas_stations_convenience",
+      "pattern": "b quick ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b quick",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0438",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0439",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0440",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0441",
+      "category": "gas_stations_convenience",
+      "pattern": "b-quik.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0442",
+      "category": "gas_stations_convenience",
+      "pattern": "bp c-store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0443",
+      "category": "gas_stations_convenience",
+      "pattern": "bp memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0444",
+      "category": "gas_stations_convenience",
+      "pattern": "bp station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0445",
+      "category": "gas_stations_convenience",
+      "pattern": "bp store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bp",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0446",
+      "category": "gas_stations_convenience",
+      "pattern": "buc-ee's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "buc-ee's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0447",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0448",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0449",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0450",
+      "category": "gas_stations_convenience",
+      "pattern": "bucees.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0451",
+      "category": "gas_stations_convenience",
+      "pattern": "c store ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "c store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0452",
+      "category": "gas_stations_convenience",
+      "pattern": "c-store ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "c-store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0453",
+      "category": "gas_stations_convenience",
+      "pattern": "casey's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "casey's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0454",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0455",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0456",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0457",
+      "category": "gas_stations_convenience",
+      "pattern": "caseys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0458",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0459",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0460",
+      "category": "gas_stations_convenience",
+      "pattern": "cefco pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0461",
+      "category": "gas_stations_convenience",
+      "pattern": "chevron ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chevron",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0462",
+      "category": "gas_stations_convenience",
+      "pattern": "circle k #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "circle k",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0463",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0464",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0465",
+      "category": "gas_stations_convenience",
+      "pattern": "citgo pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0466",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0467",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0468",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0469",
+      "category": "gas_stations_convenience",
+      "pattern": "conoco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0470",
+      "category": "gas_stations_convenience",
+      "pattern": "debit arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0471",
+      "category": "gas_stations_convenience",
+      "pattern": "debit wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0472",
+      "category": "gas_stations_convenience",
+      "pattern": "enmarket #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "enmarket",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0473",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0474",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0475",
+      "category": "gas_stations_convenience",
+      "pattern": "exxon pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0476",
+      "category": "gas_stations_convenience",
+      "pattern": "fleetway #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fleetway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0477",
+      "category": "gas_stations_convenience",
+      "pattern": "flying j #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "flying j",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0478",
+      "category": "gas_stations_convenience",
+      "pattern": "gas mart #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gas mart",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0479",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0480",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0481",
+      "category": "gas_stations_convenience",
+      "pattern": "getgo pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0482",
+      "category": "gas_stations_convenience",
+      "pattern": "gulf oil #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gulf oil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0483",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0484",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0485",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0486",
+      "category": "gas_stations_convenience",
+      "pattern": "huck's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0487",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0488",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0489",
+      "category": "gas_stations_convenience",
+      "pattern": "hucks pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0490",
+      "category": "gas_stations_convenience",
+      "pattern": "jet pep ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jet pep",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0491",
+      "category": "gas_stations_convenience",
+      "pattern": "love's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0492",
+      "category": "gas_stations_convenience",
+      "pattern": "love's gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0493",
+      "category": "gas_stations_convenience",
+      "pattern": "love's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0494",
+      "category": "gas_stations_convenience",
+      "pattern": "love's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0495",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0496",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0497",
+      "category": "gas_stations_convenience",
+      "pattern": "mapco pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0498",
+      "category": "gas_stations_convenience",
+      "pattern": "marathon #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marathon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0499",
+      "category": "gas_stations_convenience",
+      "pattern": "maverik ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maverik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0500",
+      "category": "gas_stations_convenience",
+      "pattern": "mc allsups",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0501",
+      "category": "gas_stations_convenience",
+      "pattern": "mc b quick",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b quick",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0502",
+      "category": "gas_stations_convenience",
+      "pattern": "mc c store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "c store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0503",
+      "category": "gas_stations_convenience",
+      "pattern": "mc c-store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "c-store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0504",
+      "category": "gas_stations_convenience",
+      "pattern": "mc casey's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "casey's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0505",
+      "category": "gas_stations_convenience",
+      "pattern": "mc chevron",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chevron",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0506",
+      "category": "gas_stations_convenience",
+      "pattern": "mc jet pep",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jet pep",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0507",
+      "category": "gas_stations_convenience",
+      "pattern": "mc maverik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maverik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0508",
+      "category": "gas_stations_convenience",
+      "pattern": "mc par mar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "par mar",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0509",
+      "category": "gas_stations_convenience",
+      "pattern": "mc raceway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raceway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0510",
+      "category": "gas_stations_convenience",
+      "pattern": "mc rutters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutters",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0511",
+      "category": "gas_stations_convenience",
+      "pattern": "mc stripes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stripes",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0512",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0513",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0514",
+      "category": "gas_stations_convenience",
+      "pattern": "mobil pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0515",
+      "category": "gas_stations_convenience",
+      "pattern": "par mar ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "par mar",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0516",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0517",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0518",
+      "category": "gas_stations_convenience",
+      "pattern": "pilot pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0519",
+      "category": "gas_stations_convenience",
+      "pattern": "pos b-quik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0520",
+      "category": "gas_stations_convenience",
+      "pattern": "pos bucees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0521",
+      "category": "gas_stations_convenience",
+      "pattern": "pos caseys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0522",
+      "category": "gas_stations_convenience",
+      "pattern": "pos conoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0523",
+      "category": "gas_stations_convenience",
+      "pattern": "pos huck's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0524",
+      "category": "gas_stations_convenience",
+      "pattern": "pos love's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0525",
+      "category": "gas_stations_convenience",
+      "pattern": "pos sheetz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0526",
+      "category": "gas_stations_convenience",
+      "pattern": "pos sunoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0527",
+      "category": "gas_stations_convenience",
+      "pattern": "pos texaco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0528",
+      "category": "gas_stations_convenience",
+      "pattern": "pos valero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0529",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0530",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0531",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0532",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0533",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0534",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0535",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0536",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0537",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0538",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0539",
+      "category": "gas_stations_convenience",
+      "pattern": "pp * spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0540",
+      "category": "gas_stations_convenience",
+      "pattern": "qt c-store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0541",
+      "category": "gas_stations_convenience",
+      "pattern": "qt memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0542",
+      "category": "gas_stations_convenience",
+      "pattern": "qt station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0543",
+      "category": "gas_stations_convenience",
+      "pattern": "qt store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qt",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0544",
+      "category": "gas_stations_convenience",
+      "pattern": "quiktrip #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiktrip",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0545",
+      "category": "gas_stations_convenience",
+      "pattern": "racetrac #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "racetrac",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0546",
+      "category": "gas_stations_convenience",
+      "pattern": "raceway ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raceway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0547",
+      "category": "gas_stations_convenience",
+      "pattern": "rutter's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutter's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0548",
+      "category": "gas_stations_convenience",
+      "pattern": "rutters ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutters",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0549",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0550",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0551",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0552",
+      "category": "gas_stations_convenience",
+      "pattern": "sheetz.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0553",
+      "category": "gas_stations_convenience",
+      "pattern": "shell card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0554",
+      "category": "gas_stations_convenience",
+      "pattern": "shell fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0555",
+      "category": "gas_stations_convenience",
+      "pattern": "shell pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0556",
+      "category": "gas_stations_convenience",
+      "pattern": "sinclair #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sinclair",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0557",
+      "category": "gas_stations_convenience",
+      "pattern": "sp allsups",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0558",
+      "category": "gas_stations_convenience",
+      "pattern": "sp b quick",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b quick",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0559",
+      "category": "gas_stations_convenience",
+      "pattern": "sp casey's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "casey's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0560",
+      "category": "gas_stations_convenience",
+      "pattern": "sp chevron",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chevron",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0561",
+      "category": "gas_stations_convenience",
+      "pattern": "sp jet pep",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jet pep",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0562",
+      "category": "gas_stations_convenience",
+      "pattern": "sp maverik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "maverik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0563",
+      "category": "gas_stations_convenience",
+      "pattern": "sp par mar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "par mar",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0564",
+      "category": "gas_stations_convenience",
+      "pattern": "sp raceway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raceway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0565",
+      "category": "gas_stations_convenience",
+      "pattern": "sp rutters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rutters",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0566",
+      "category": "gas_stations_convenience",
+      "pattern": "sp stripes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stripes",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0567",
+      "category": "gas_stations_convenience",
+      "pattern": "speedway #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "speedway",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0568",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0569",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0570",
+      "category": "gas_stations_convenience",
+      "pattern": "spinx pump",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0571",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0572",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0573",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0574",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0575",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0576",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0577",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0578",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0579",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0580",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0581",
+      "category": "gas_stations_convenience",
+      "pattern": "sq * spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0582",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* b-quik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0583",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* bucees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0584",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* caseys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0585",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* conoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0586",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* huck's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0587",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* love's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0588",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* sheetz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0589",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* sunoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0590",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* texaco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0591",
+      "category": "gas_stations_convenience",
+      "pattern": "sq* valero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0592",
+      "category": "gas_stations_convenience",
+      "pattern": "stripes ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stripes",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0593",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0594",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0595",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0596",
+      "category": "gas_stations_convenience",
+      "pattern": "sunoco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0597",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0598",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0599",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0600",
+      "category": "gas_stations_convenience",
+      "pattern": "texaco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0601",
+      "category": "gas_stations_convenience",
+      "pattern": "toast arco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0602",
+      "category": "gas_stations_convenience",
+      "pattern": "toast wawa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0603",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0604",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0605",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0606",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0607",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0608",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0609",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0610",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0611",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0612",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0613",
+      "category": "gas_stations_convenience",
+      "pattern": "tst* spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0614",
+      "category": "gas_stations_convenience",
+      "pattern": "valero app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0615",
+      "category": "gas_stations_convenience",
+      "pattern": "valero gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0616",
+      "category": "gas_stations_convenience",
+      "pattern": "valero pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0617",
+      "category": "gas_stations_convenience",
+      "pattern": "valero.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0618",
+      "category": "gas_stations_convenience",
+      "pattern": "visa amoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0619",
+      "category": "gas_stations_convenience",
+      "pattern": "visa cefco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cefco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0620",
+      "category": "gas_stations_convenience",
+      "pattern": "visa citgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0621",
+      "category": "gas_stations_convenience",
+      "pattern": "visa exxon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "exxon",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0622",
+      "category": "gas_stations_convenience",
+      "pattern": "visa getgo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "getgo",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0623",
+      "category": "gas_stations_convenience",
+      "pattern": "visa hucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hucks",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0624",
+      "category": "gas_stations_convenience",
+      "pattern": "visa mapco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mapco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0625",
+      "category": "gas_stations_convenience",
+      "pattern": "visa mobil",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobil",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0626",
+      "category": "gas_stations_convenience",
+      "pattern": "visa pilot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pilot",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0627",
+      "category": "gas_stations_convenience",
+      "pattern": "visa shell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shell",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0628",
+      "category": "gas_stations_convenience",
+      "pattern": "visa spinx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spinx",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0629",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0630",
+      "category": "gas_stations_convenience",
+      "pattern": "wawa store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wawa",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0631",
+      "category": "gas_stations_convenience",
+      "pattern": "76 columbus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0632",
+      "category": "gas_stations_convenience",
+      "pattern": "76 purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "76",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0633",
+      "category": "gas_stations_convenience",
+      "pattern": "allsup's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsup's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0634",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0635",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups gas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0636",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0637",
+      "category": "gas_stations_convenience",
+      "pattern": "allsups.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allsups",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0638",
+      "category": "gas_stations_convenience",
+      "pattern": "amex b-quik",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "b-quik",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0639",
+      "category": "gas_stations_convenience",
+      "pattern": "amex bucees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bucees",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0640",
+      "category": "gas_stations_convenience",
+      "pattern": "amex caseys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caseys",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0641",
+      "category": "gas_stations_convenience",
+      "pattern": "amex conoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "conoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0642",
+      "category": "gas_stations_convenience",
+      "pattern": "amex huck's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huck's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0643",
+      "category": "gas_stations_convenience",
+      "pattern": "amex love's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "love's",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0644",
+      "category": "gas_stations_convenience",
+      "pattern": "amex sheetz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheetz",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0645",
+      "category": "gas_stations_convenience",
+      "pattern": "amex sunoco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0646",
+      "category": "gas_stations_convenience",
+      "pattern": "amex texaco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texaco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0647",
+      "category": "gas_stations_convenience",
+      "pattern": "amex valero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valero",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0648",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0649",
+      "category": "gas_stations_convenience",
+      "pattern": "amoco store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amoco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "gas_stations_convenience_0650",
+      "category": "gas_stations_convenience",
+      "pattern": "arco inside",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arco",
+      "source_hint": "common_us_chains",
+      "rationale": "Fuel or convenience-store purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0001",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0002",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0003",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0004",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0005",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0006",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "lidl",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lidl",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0007",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0008",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0009",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0010",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hyvee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hyvee",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0011",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0012",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0013",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "winco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "winco",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0014",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0015",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0016",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0017",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0018",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0019",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0020",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0021",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0022",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0023",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaw's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaw's",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0024",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0025",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0026",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0027",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "fareway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fareway",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0028",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "roundys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundys",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0029",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "safeway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safeway",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0030",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sprouts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0031",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walmart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0032",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "wegmans",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wegmans",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0033",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "foods co",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foods co",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0034",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "marianos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marianos",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0035",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pharmacy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pharmacy",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0036",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "randalls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "randalls",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0037",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "rite aid",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rite aid",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0038",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "roundy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundy's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0039",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shoprite",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shoprite",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0040",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "wholefds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wholefds",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0041",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "food lion",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "food lion",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0042",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "frys food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "frys food",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0043",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mariano's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mariano's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0044",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pavilions",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pavilions",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0045",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sams club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sams club",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0046",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tom thumb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tom thumb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0047",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walgreens",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walgreens",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0048",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "albertsons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "albertsons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0049",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "brookshire",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "brookshire",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0050",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cash saver",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cash saver",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0051",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "drug store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "drug store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0052",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "earth fare",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "earth fare",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0053",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "five below",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "five below",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0054",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "food giant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "food giant",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0055",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "fred meyer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fred meyer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0056",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "fry's food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fry's food",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0057",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "giant food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "giant food",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0058",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jewel osco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jewel osco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0059",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jewel-osco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jewel-osco",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0060",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sam's club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sam's club",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0061",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "save a lot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "save a lot",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0062",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "save-a-lot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "save-a-lot",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0063",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "trader joe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "trader joe",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0064",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "winn dixie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "winn dixie",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0065",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "winn-dixie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "winn-dixie",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0066",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "belle foods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belle foods",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0067",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "city market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "city market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0068",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dollar tree",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dollar tree",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0069",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "duane reade",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "duane reade",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0070",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "food 4 less",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "food 4 less",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0071",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "fresh thyme",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fresh thyme",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0072",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "giant eagle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "giant eagle",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0073",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger fuel #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger fuel",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0074",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pick n save",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pick n save",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0075",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "rx purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rx purchase",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0076",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "smiths food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "smiths food",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0077",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "star market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "star market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0078",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "supermarket",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "supermarket",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0079",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "trader joes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "trader joes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0080",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "whole foods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "whole foods",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0081",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "winco foods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "winco foods",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0082",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "acme markets",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "acme markets",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0083",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "butcher shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "butcher shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0084",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs pharmacy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs pharmacy",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0085",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dollar store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dollar store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0086",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "fresh market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fresh market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0087",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "king soopers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "king soopers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0088",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "metro market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "metro market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0089",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "smith's food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "smith's food",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0090",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "trader joe's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "trader joe's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0091",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "weis markets",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "weis markets",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0092",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bjs wholesale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bjs wholesale",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0093",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "corner market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "corner market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0094",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "family dollar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "family dollar",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0095",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "grocery store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grocery store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0096",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "harris teeter",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harris teeter",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0097",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "market basket",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "market basket",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0098",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "piggly wiggly",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "piggly wiggly",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0099",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "stop and shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stop and shop",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0100",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "superlo foods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "superlo foods",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0101",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "variety store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "variety store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0102",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bj's wholesale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bj's wholesale",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0103",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "central market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "central market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0104",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dollar general",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dollar general",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0105",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "festival foods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "festival foods",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0106",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "grocery outlet",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grocery outlet",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0107",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "grocery pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grocery pickup",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0108",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ingles markets",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ingles markets",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0109",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "liquor grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "liquor grocery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0110",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "market grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "market grocery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0111",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "seafood market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "seafood market",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0112",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vitamin shoppe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vitamin shoppe",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0113",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger pharmacy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger pharmacy",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0114",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "natural grocers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "natural grocers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0115",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix pharmacy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix pharmacy",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0116",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "smart and final",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "smart & final",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0117",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target pharmacy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target pharmacy",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0118",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "wayne's grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wayne's grocery",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0119",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "westside market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "westside market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0120",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco wholesale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco wholesale",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0121",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "grocery delivery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grocery delivery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0122",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "renfroe's market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "renfroe's market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0123",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "supplement store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "supplement store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0124",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "the fresh market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "the fresh market",
+      "source_hint": "v1_seed_file",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0125",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "health food store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "health food store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0126",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walgreens pharmacy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walgreens pharmacy",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0127",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "whole foods market #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "whole foods market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0128",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "general merchandise",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "general merchandise",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0129",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vowells marketplace",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vowells marketplace",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0130",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walmart supercenter",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart supercenter",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0131",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pay less supermarket",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pay less supermarket",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0132",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sunflower food store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunflower food store",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0133",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vowell's marketplace",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vowell's marketplace",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0134",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sprouts farmers market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts farmers market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0135",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walmart neighborhood market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart neighborhood market",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0136",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jacks family restaurants grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jacks family restaurants grocery",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0137",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "strange brew coffeehouse grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "strange brew coffeehouse grocery",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0138",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0139",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0140",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0141",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0142",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0143",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0144",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0145",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0146",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0147",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0148",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0149",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0150",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0151",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0152",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0153",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0154",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0155",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0156",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0157",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0158",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0159",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0160",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0161",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0162",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0163",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0164",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0165",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0166",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0167",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0168",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0169",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0170",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0171",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0172",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0173",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0174",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0175",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0176",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0177",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0178",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0179",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0180",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0181",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0182",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0183",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0184",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0185",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0186",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0187",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0188",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0189",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0190",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0191",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0192",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0193",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0194",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0195",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0196",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0197",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0198",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0199",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0200",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0201",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0202",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0203",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0204",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0205",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0206",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0207",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0208",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0209",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0210",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0211",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0212",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0213",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0214",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0215",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0216",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0217",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0218",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0219",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0220",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0221",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0222",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0223",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0224",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0225",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0226",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0227",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0228",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0229",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0230",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0231",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0232",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0233",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0234",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0235",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0236",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0237",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0238",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0239",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0240",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0241",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0242",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0243",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0244",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0245",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0246",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0247",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0248",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0249",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0250",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0251",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0252",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0253",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0254",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0255",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0256",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0257",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0258",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0259",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0260",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0261",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0262",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0263",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0264",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0265",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0266",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0267",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0268",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0269",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0270",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0271",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0272",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0273",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0274",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0275",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0276",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0277",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0278",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0279",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0280",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0281",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0282",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0283",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0284",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0285",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0286",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0287",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0288",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0289",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0290",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0291",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0292",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0293",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc bakers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0294",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0295",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc gerbes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0296",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc hy vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0297",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc hy-vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0298",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc kroger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0299",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc meijer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0300",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc publix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0301",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc ralphs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0302",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0303",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0304",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0305",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0306",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0307",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0308",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0309",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0310",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0311",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0312",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0313",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0314",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0315",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0316",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0317",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "roundys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundys",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0318",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "safeway #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safeway",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0319",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0320",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0321",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0322",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp bakers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0323",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0324",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp gerbes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0325",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp hy vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0326",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp hy-vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0327",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp kroger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0328",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp meijer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0329",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp publix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0330",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp ralphs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0331",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0332",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sprouts #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0333",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0334",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0335",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0336",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0337",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0338",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0339",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0340",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0341",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "toast cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0342",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "toast gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0343",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "toast heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0344",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "toast qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0345",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0346",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0347",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0348",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0349",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0350",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0351",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walmart #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0352",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "wegmans #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wegmans",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0353",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0354",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0355",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0356",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0357",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0358",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0359",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0360",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0361",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0362",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0363",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0364",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0365",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0366",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "clover cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0367",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "clover gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0368",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "clover heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0369",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "clover qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0370",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0371",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0372",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0373",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0374",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0375",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0376",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0377",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0378",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0379",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0380",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0381",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0382",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "foods co #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foods co",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0383",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0384",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0385",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0386",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0387",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0388",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0389",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0390",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0391",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0392",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0393",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0394",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0395",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0396",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0397",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "heb tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0398",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0399",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0400",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy vee.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0401",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0402",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0403",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "hy-vee.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0404",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0405",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "jay c fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0406",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0407",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0408",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "kroger.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0409",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "marianos #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marianos",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0410",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc baker's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0411",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc dillons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0412",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc roundys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundys",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0413",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc safeway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safeway",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0414",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc sprouts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0415",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc walmart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0416",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "mc wegmans",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wegmans",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0417",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0418",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0419",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "meijer.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0420",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "paypal cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0421",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "paypal gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0422",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "paypal heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0423",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "paypal qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0424",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos bakers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0425",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0426",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos gerbes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0427",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos hy vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0428",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos hy-vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0429",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos kroger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0430",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos meijer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0431",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos publix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0432",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos ralphs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0433",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pos target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0434",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0435",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0436",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0437",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "pp * shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0438",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0439",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0440",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "publix.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0441",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0442",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0443",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0444",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0445",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "qfc tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0446",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0447",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0448",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "ralphs.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0449",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "randalls #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "randalls",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0450",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "rite aid #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rite aid",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0451",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "roundy's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundy's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0452",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "roundys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundys",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0453",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "roundys rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundys",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0454",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "safeway ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safeway",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0455",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "safeway rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safeway",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0456",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0457",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shaws fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0458",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "shoprite #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shoprite",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0459",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp baker's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0460",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp dillons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0461",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp roundys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "roundys",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0462",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp safeway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "safeway",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0463",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp sprouts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0464",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp walmart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0465",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sp wegmans",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wegmans",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0466",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sprouts ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0467",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sprouts rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sprouts",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0468",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0469",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0470",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0471",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq * shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0472",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* bakers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0473",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0474",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* gerbes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0475",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* hy vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0476",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* hy-vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0477",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* kroger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0478",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* meijer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0479",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* publix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0480",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* ralphs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0481",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "sq* target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0482",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "stripe cvs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0483",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "stripe gnc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0484",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "stripe heb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "heb",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0485",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "stripe qfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qfc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0486",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0487",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0488",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "target.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0489",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "toast aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0490",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "toast vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0491",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0492",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0493",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0494",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "tst* shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0495",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0496",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0497",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0498",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "visa shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0499",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0500",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "vons store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0501",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walmart ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0502",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "walmart rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0503",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "wegmans ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wegmans",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0504",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "wegmans rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wegmans",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0505",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0506",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0507",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0508",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0509",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "aldi tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0510",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex bakers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0511",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0512",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex gerbes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0513",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex hy vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0514",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex hy-vee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hy-vee",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0515",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex kroger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kroger",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0516",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex meijer",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meijer",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0517",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex publix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "publix",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0518",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex ralphs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ralphs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0519",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "amex target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0520",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0521",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0522",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "baker's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "baker's",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0523",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0524",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bakers fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakers",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0525",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0526",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "bi-lo store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0527",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "clover aldi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aldi",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0528",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "clover vons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0529",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0530",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "costco fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0531",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0532",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0533",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "cvs store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cvs",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0534",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit bi-lo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bi-lo",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0535",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit h-e-b",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0536",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit jay c",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jay c",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0537",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "debit shaws",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shaws",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0538",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0539",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0540",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "dillons.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillons",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0541",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "food lion #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "food lion",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0542",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "foods co ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foods co",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0543",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "foods co rx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foods co",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0544",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "frys food #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "frys food",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0545",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0546",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gerbes fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gerbes",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0547",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0548",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0549",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "gnc store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gnc",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "grocery_pharmacy_everyday_0550",
+      "category": "grocery_pharmacy_everyday",
+      "pattern": "h-e-b debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h-e-b",
+      "source_hint": "common_us_chains",
+      "rationale": "Grocery, pharmacy, or everyday retail purchase; often not a recurring bill."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0001",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0002",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0003",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0004",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0005",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0006",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0007",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0008",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0009",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0010",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0011",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0012",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0013",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0014",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0015",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0016",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0017",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0018",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0019",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0020",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0021",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aerie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0022",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "chewy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0023",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "depop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0024",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "joann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0025",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0026",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0027",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0028",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "orvis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0029",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0030",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reeds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0031",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sears",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0032",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shein",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0033",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "adidas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adidas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0034",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0035",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "costco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0036",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "hm.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hm.com",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0037",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jo-ann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jo-ann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0038",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "klarna",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "klarna",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0039",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohl's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohl's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0040",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lenovo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lenovo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0041",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowe's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowe's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0042",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macy's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0043",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ollies",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollies",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0044",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reed's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reed's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0045",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "snipes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "snipes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0046",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "stockx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stockx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0047",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "target",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0048",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "uniqlo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uniqlo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0049",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "at home",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "at home",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0050",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "athleta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "athleta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0051",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "atwoods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atwoods",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0052",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bestbuy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bestbuy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0053",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cabelas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cabelas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0054",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "express",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "express",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0055",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "h and m",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h and m",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0056",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jcpenny",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jcpenny",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0057",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ll bean",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ll bean",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0058",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "menards",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "menards",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0059",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mercari",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mercari",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0060",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ollie's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollie's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0061",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sephora",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sephora",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0062",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shopify",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shopify",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0063",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "staples",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "staples",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0064",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "thredup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thredup",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0065",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tj maxx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tj maxx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0066",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "walmart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0067",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wayfair",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wayfair",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0068",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "afterpay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "afterpay",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0069",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "autozone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autozone",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0070",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bass pro",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bass pro",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0071",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "best buy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "best buy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0072",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "big lots",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "big lots",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0073",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cabela's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cabela's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0074",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dillards",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillards",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0075",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gamestop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gamestop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0076",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "hp store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hp store",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0077",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jcpenney",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jcpenney",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0078",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "journeys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "journeys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0079",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "l.l.bean",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "l.l.bean",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0080",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "la green",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "la green",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0081",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "michaels",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "michaels",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0082",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike.com #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike.com",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0083",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "old navy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "old navy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0084",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petsmart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petsmart",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0085",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "poshmark",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "poshmark",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0086",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shop pay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shop pay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0087",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "t j maxx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "t j maxx",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0088",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wal-mart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wal-mart",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0089",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "west elm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "west elm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0090",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amzn mktp",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amzn mktp",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0091",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "apple.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "apple.com",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0092",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "auto zone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto zone",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0093",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cosmoprof",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cosmoprof",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0094",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dillard's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dillard's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0095",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gift shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gift shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0096",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "hollister",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hollister",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0097",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "homegoods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "homegoods",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0098",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "homesense",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "homesense",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0099",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lands end",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lands end",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0100",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lululemon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lululemon",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0101",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "marshalls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marshalls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0102",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "napa auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "napa auto",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0103",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nordstrom",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nordstrom",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0104",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "officemax",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "officemax",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0105",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "overstock",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "overstock",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0106",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pet store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pet store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0107",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sams club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sams club",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0108",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "t.j. maxx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "t.j. maxx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0109",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ups store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ups store",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0110",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aliexpress",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aliexpress",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0111",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "book store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "book store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0112",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "burlington",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "burlington",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0113",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "do it best",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "do it best",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0114",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "forever 21",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "forever 21",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0115",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "home depot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "home depot",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0116",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "j c penney",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "j c penney",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0117",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "l.a. green",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "l.a. green",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0118",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lego store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lego store",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0119",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "party city",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "party city",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0120",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross dress",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross dress",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0121",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rural king",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rural king",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0122",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sam's club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sam's club",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0123",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shoe store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shoe store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0124",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "target.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "target.com",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0125",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "true value",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "true value",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0126",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "abercrombie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "abercrombie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0127",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ali express",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ali express",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0128",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "apple store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "apple store",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0129",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "craft store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "craft store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0130",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "finish line",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "finish line",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0131",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "foot locker",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "foot locker",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0132",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "hobby lobby",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hobby lobby",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0133",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "paypal ebay #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0134",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rooms to go",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rooms to go",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0135",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross stores",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross stores",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0136",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta beauty",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta beauty",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0137",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "walmart.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart.com",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0138",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ace hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ace hardware",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0139",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "advance auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "advance auto",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0140",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon fresh",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon fresh",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0141",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon prime",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon prime",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0142",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amzn digital",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amzn digital",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0143",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "build a bear",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "build a bear",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0144",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "fedex office",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fedex office",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0145",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "office depot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "office depot",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0146",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "online order",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "online order",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0147",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "oreilly auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "oreilly auto",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0148",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "outlet store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "outlet store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0149",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "paypal *ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paypal *ebay",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0150",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pottery barn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pottery barn",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0151",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sally beauty",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sally beauty",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0152",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sur la table",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sur la table",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0153",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "thrift store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thrift store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0154",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "under armour",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "under armour",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0155",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "world market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "world market",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0156",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon retail #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon retail",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0157",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "beauty supply",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "beauty supply",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0158",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bjs wholesale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bjs wholesale",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0159",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "caron gallery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caron gallery",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0160",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "champs sports",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "champs sports",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0161",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jewelry store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jewelry store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0162",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0163",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "neiman marcus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "neiman marcus",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0164",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "northern tool",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "northern tool",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0165",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "o'reilly auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "o'reilly auto",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0166",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "office supply",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "office supply",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0167",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shoe carnival",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shoe carnival",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0168",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "academy sports",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "academy sports",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0169",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "affirm walmart",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "affirm walmart",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0170",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "american eagle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "american eagle",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0171",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bj's wholesale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bj's wholesale",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0172",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "clothing store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "clothing store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0173",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dicks sporting",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dicks sporting",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0174",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "harbor freight",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harbor freight",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0175",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "hardware store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardware store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0176",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "hibbett sports",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hibbett sports",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0177",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nordstrom rack",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nordstrom rack",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0178",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks off fifth",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks off fifth",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0179",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sporting goods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sporting goods",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0180",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "store purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "store purchase",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0181",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "the home depot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "the home depot",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0182",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tractor supply",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tractor supply",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0183",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "banana republic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "banana republic",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0184",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "books a million",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "books a million",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0185",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dick's sporting",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dick's sporting",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0186",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "famous footwear",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "famous footwear",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0187",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "floor and decor",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "floor and decor",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0188",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "furniture store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "furniture store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0189",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "microsoft store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "microsoft store",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0190",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rack room shoes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rack room shoes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0191",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "retail purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "retail purchase",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0192",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tupelo hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0193",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "williams sonoma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "williams sonoma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0194",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon prime now",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon prime now",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0195",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amzn marketplace",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amzn marketplace",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0196",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "apple pay retail",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "apple pay retail",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0197",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ashley furniture",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ashley furniture",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0198",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "barnes and noble",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barnes and noble",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0199",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "costco wholesale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco wholesale",
+      "source_hint": "v1_seed_file",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0200",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "crate and barrel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "crate and barrel",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0201",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "department store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "department store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0202",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "half price books",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "half price books",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0203",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "home improvement",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "home improvement",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0204",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "victorias secret",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "victorias secret",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0205",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "electronics store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "electronics store",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0206",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "google pay retail",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "google pay retail",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0207",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "marketplace order",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marketplace order",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0208",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pet supplies plus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pet supplies plus",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0209",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "victoria's secret",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "victoria's secret",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0210",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon marketplace #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon marketplace",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0211",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "contactless retail",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "contactless retail",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0212",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bath and body works",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bath and body works",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0213",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bed bath and beyond",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bed bath and beyond",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0214",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross dress for less",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross dress for less",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0215",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sierra trading post",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sierra trading post",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0216",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "barnes crossing mall",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barnes crossing mall",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0217",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dicks sporting goods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dicks sporting goods",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0218",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dick's sporting goods",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dick's sporting goods",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0219",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "core cycle and outdoor",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "core cycle and outdoor",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0220",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mall at barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mall at barnes crossing",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0221",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0222",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0223",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0224",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0225",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0226",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0227",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0228",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0229",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0230",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0231",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0232",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0233",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0234",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0235",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0236",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0237",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0238",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0239",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0240",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0241",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0242",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0243",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0244",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0245",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0246",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0247",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0248",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0249",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0250",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "usps #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0251",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wish #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0252",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "zara #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0253",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aerie #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0254",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0255",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0256",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0257",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0258",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0259",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "chewy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0260",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0261",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "depop #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0262",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0263",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0264",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0265",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0266",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0267",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0268",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0269",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0270",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0271",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0272",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "joann #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0273",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohls #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0274",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowes #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0275",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0276",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0277",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0278",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0279",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0280",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0281",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0282",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0283",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0284",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0285",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0286",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0287",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0288",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0289",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0290",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0291",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0292",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0293",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "orvis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0294",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0295",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0296",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0297",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0298",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0299",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0300",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reeds #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0301",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0302",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0303",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0304",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0305",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0306",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sears #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0307",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shein #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0308",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0309",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0310",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0311",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0312",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0313",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0314",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0315",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0316",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0317",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0318",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0319",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0320",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0321",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0322",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0323",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0324",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0325",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0326",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0327",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0328",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0329",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0330",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "usps ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0331",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wish ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0332",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "zara ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0333",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "adidas #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adidas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0334",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aerie ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0335",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0336",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0337",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0338",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0339",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0340",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0341",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0342",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0343",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0344",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0345",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0346",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0347",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0348",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0349",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "chewy ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0350",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0351",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0352",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0353",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "depop ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0354",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0355",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0356",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0357",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0358",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0359",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0360",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0361",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0362",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0363",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0364",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0365",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0366",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0367",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0368",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0369",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0370",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0371",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0372",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jo-ann #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jo-ann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0373",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "joann ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0374",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohl's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohl's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0375",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohls ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0376",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lenovo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lenovo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0377",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowe's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowe's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0378",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowes ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0379",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macy's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macy's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0380",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0381",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc aerie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0382",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc chewy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0383",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc depop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0384",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc joann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0385",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc kohls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0386",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc lowes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0387",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc macys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0388",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc orvis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0389",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc petco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0390",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc reeds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0391",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc sears",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0392",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc shein",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0393",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0394",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0395",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0396",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ollies #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollies",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0397",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "orvis ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0398",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0399",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0400",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0401",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0402",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0403",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0404",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0405",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0406",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0407",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0408",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0409",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0410",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0411",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0412",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0413",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0414",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0415",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0416",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0417",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0418",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0419",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0420",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0421",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0422",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reed's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reed's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0423",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reeds ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0424",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0425",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0426",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0427",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0428",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0429",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0430",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0431",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0432",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0433",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sears ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0434",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shein ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0435",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "snipes #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "snipes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0436",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp aerie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0437",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp chewy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0438",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp depop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0439",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp joann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0440",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp kohls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0441",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp lowes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0442",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp macys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0443",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp orvis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0444",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp petco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0445",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp reeds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0446",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp sears",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0447",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp shein",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0448",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0449",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0450",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0451",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0452",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0453",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0454",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0455",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0456",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0457",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0458",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0459",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0460",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0461",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0462",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0463",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0464",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0465",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0466",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0467",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0468",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "stockx #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stockx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0469",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0470",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0471",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0472",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tst* cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0473",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tst* dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0474",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tst* gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0475",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "tst* rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0476",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0477",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0478",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ulta.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0479",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "uniqlo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uniqlo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0480",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "usps app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0481",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "usps pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0482",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "usps.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0483",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "visa cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0484",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "visa dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0485",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "visa gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0486",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "visa rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0487",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wish app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0488",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wish pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0489",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "wish.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0490",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "zara app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0491",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "zara pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0492",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "zara.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0493",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "adidas ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adidas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0494",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aerie app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0495",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aerie pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0496",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "aerie.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0497",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amazon ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0498",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0499",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0500",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0501",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0502",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0503",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0504",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0505",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0506",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0507",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0508",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0509",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0510",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0511",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0512",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0513",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "amex zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0514",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "at home #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "at home",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0515",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "athleta #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "athleta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0516",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "atwoods #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atwoods",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0517",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0518",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0519",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bamm shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0520",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0521",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0522",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "belk shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0523",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "bestbuy #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bestbuy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0524",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cabelas #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cabelas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0525",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0526",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 order",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0527",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "cb2 store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0528",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "chewy app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0529",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "chewy pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0530",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "chewy.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0531",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "debit cb2",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cb2",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0532",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "debit dsw",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0533",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "debit gap",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0534",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "debit rei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0535",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0536",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0537",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dell shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0538",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "depop app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0539",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "depop pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0540",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "depop.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0541",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0542",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw order",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0543",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "dsw store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dsw",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0544",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0545",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0546",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ebay shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0547",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0548",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0549",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "etsy shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0550",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "express #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "express",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0551",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0552",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap order",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0553",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "gap store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gap",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0554",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0555",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0556",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "goat shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0557",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "h and m #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "h and m",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0558",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0559",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0560",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ikea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0561",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jcpenny #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jcpenny",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0562",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "jo-ann ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jo-ann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0563",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "joann app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0564",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "joann pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0565",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "joann.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0566",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohl's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohl's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0567",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohls app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0568",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohls pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0569",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "kohls.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0570",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lenovo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lenovo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0571",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ll bean #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ll bean",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0572",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowe's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowe's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0573",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowes app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0574",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowes pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0575",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "lowes.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0576",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macy's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macy's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0577",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0578",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0579",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "macys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0580",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc adidas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adidas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0581",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc amazon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0582",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc jo-ann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jo-ann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0583",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc kohl's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohl's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0584",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc lenovo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lenovo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0585",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc lowe's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowe's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0586",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc macy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macy's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0587",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc ollies",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollies",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0588",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc reed's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reed's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0589",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc snipes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "snipes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0590",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc stockx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stockx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0591",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mc uniqlo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uniqlo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0592",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "menards #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "menards",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0593",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "mercari #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mercari",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0594",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0595",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0596",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "nike shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0597",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ollie's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollie's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0598",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ollies ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollies",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0599",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "orvis app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0600",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "orvis pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0601",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "orvis.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0602",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petco app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0603",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petco pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0604",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "petco.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0605",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos aerie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0606",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos chewy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0607",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos depop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0608",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos joann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0609",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos kohls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0610",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos lowes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0611",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos macys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0612",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos orvis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0613",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos petco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0614",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos reeds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0615",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos sears",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0616",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pos shein",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0617",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0618",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0619",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0620",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0621",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0622",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0623",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0624",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0625",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0626",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0627",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0628",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0629",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0630",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0631",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0632",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "pp * zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0633",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0634",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0635",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "puma shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0636",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reed's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reed's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0637",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reeds app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0638",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reeds pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0639",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "reeds.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0640",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0641",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei order",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0642",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "rei store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rei",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0643",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0644",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0645",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "ross shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0646",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0647",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks ship",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0648",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "saks shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0649",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sears app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0650",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sears pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0651",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sears.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0652",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sephora #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sephora",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0653",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shein app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0654",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shein pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0655",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shein.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0656",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "shopify #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shopify",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0657",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "snipes ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "snipes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0658",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp adidas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "adidas",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0659",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp amazon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amazon",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0660",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp jo-ann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jo-ann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0661",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp kohl's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohl's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0662",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp lenovo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lenovo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0663",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp lowe's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowe's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0664",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp macy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macy's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0665",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp ollies",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ollies",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0666",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp reed's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reed's",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0667",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp snipes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "snipes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0668",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp stockx",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stockx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0669",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sp uniqlo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uniqlo",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0670",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * bamm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bamm",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0671",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * belk",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "belk",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0672",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * dell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dell",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0673",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * ebay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ebay",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0674",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * etsy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "etsy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0675",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * goat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goat",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0676",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * ikea",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ikea",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0677",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * nike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nike",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0678",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * puma",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "puma",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0679",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * ross",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ross",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0680",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * saks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "saks",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0681",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * temu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0682",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * ulta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ulta",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0683",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * usps",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "usps",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0684",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * wish",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wish",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0685",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq * zara",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zara",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0686",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* aerie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "aerie",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0687",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* chewy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chewy",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0688",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* depop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "depop",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0689",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* joann",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "joann",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0690",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* kohls",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kohls",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0691",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* lowes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lowes",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0692",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* macys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "macys",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0693",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* orvis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orvis",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0694",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* petco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "petco",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0695",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* reeds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "reeds",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0696",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* sears",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sears",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0697",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "sq* shein",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shein",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0698",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "staples #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "staples",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0699",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "stockx ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stockx",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "shopping_retail_ecommerce_0700",
+      "category": "shopping_retail_ecommerce",
+      "pattern": "temu card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "temu",
+      "source_hint": "common_us_chains_and_ms",
+      "rationale": "Shopping, retail, or ecommerce purchase; medium-confidence advisory suppression."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0001",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0002",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0003",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0004",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "boba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0005",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0006",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0007",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0008",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0009",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0010",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bdubs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bdubs",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0011",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0012",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0013",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0014",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0015",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0016",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0017",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0018",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bakery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0019",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "burger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "burger",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0020",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0021",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0022",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0023",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0024",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nandos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0025",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newk's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0026",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0027",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rallys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0028",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "subway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0029",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0030",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0031",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "a and w",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0032",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chili's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0033",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culvers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0034",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "denny's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0035",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dominos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0036",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ezcater",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ezcater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0037",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fazolis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazolis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0038",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "grubhub",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grubhub",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0039",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "hardees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0040",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "harveys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harveys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0041",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kermits",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermits",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0042",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "krystal",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "krystal",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0043",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mt fuji",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mt fuji",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0044",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pei wei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pei wei",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0045",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "perkins",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "perkins",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0046",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "popeyes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "popeyes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0047",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "quiznos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiznos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0048",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rally's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rally's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0049",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "takeout",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "takeout",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0050",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendy's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0051",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0052",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "barbecue",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barbecue",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0053",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafe 212",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe 212",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0054",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carls jr",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carls jr",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0055",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carryout",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carryout",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0056",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "checkers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "checkers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0057",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chipotle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chipotle",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0058",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cook out",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cook out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0059",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culver's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culver's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0060",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "del taco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "del taco",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0061",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "domino's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "domino's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0062",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "doordash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "doordash",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0063",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ez cater",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ez cater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0064",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fazoli's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazoli's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0065",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "hardee's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardee's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0066",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "harvey's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harvey's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0067",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "in n out",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "in n out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0068",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "in-n-out",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "in-n-out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0069",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kermit's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermit's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0070",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mcdonald",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mcdonald",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0071",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mugshots",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mugshots",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0072",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "neon pig",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "neon pig",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0073",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "potbelly",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "potbelly",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0074",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "smoothie",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "smoothie",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0075",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tea shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0076",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ubereats",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ubereats",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0077",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "vanellis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vanellis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0078",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wingstop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wingstop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0079",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "applebees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "applebees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0080",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bob evans",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bob evans",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0081",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bojangles",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bojangles",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0082",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafeteria",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafeteria",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0083",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carl's jr",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carl's jr",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0084",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "door dash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "door dash",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0085",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fast food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fast food",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0086",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "five guys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "five guys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0087",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ice cream",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ice cream",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0088",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "juice bar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "juice bar",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0089",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mcdonalds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mcdonalds",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0090",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "papa john",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "papa john",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0091",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pf changs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pf changs",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0092",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pizza hut",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza hut",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0093",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "postmates",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "postmates",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0094",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "red robin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "red robin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0095",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "starbucks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "starbucks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0096",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "taco bell",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taco bell",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0097",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "taco shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taco shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0098",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast tab",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toast tab",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0099",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "uber eats",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber eats",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0100",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "vanelli's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vanelli's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0101",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "applebee's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "applebee's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0102",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bagel shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bagel shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0103",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "blue canoe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "blue canoe",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0104",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "captain ds",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "captain ds",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0105",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "donut shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "donut shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0106",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "drive thru",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "drive thru",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0107",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "drive-thru",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "drive-thru",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0108",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dutch bros",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dutch bros",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0109",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "food court",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "food court",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0110",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "food truck",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "food truck",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0111",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jimmy john",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jimmy john",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0112",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "lost pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lost pizza",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0113",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mcalisters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mcalisters",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0114",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mcdonald's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mcdonald's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0115",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "papa johns",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "papa johns",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0116",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pf chang's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pf chang's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0117",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pjs coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pjs coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0118",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "restaurant",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0119",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sweetgreen",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sweetgreen",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0120",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "blaze pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "blaze pizza",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0121",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "burger king",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "burger king",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0122",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "captain d's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "captain d's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0123",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chick fil a",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chick fil a",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0124",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chick-fil-a",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chick-fil-a",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0125",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "coffee bean",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "coffee bean",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0126",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "coffee shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "coffee shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0127",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dairy queen",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dairy queen",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0128",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "first watch",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "first watch",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0129",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jersey mike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jersey mike",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0130",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jimmy johns",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jimmy johns",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0131",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mcalister's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mcalister's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0132",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "papa john's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "papa john's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0133",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pj's coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pj's coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0134",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "red lobster",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "red lobster",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0135",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "schlotzskys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "schlotzskys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0136",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "shake shack",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shake shack",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0137",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic drive",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic drive",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0138",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "whataburger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "whataburger",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0139",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "huddle house",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "huddle house",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0140",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jersey mikes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jersey mikes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0141",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jimmy john's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jimmy john's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0142",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "krispy kreme",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "krispy kreme",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0143",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "marcos pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marcos pizza",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0144",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "olive garden",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "olive garden",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0145",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera bread",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera bread",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0146",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "park heights",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "park heights",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0147",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "peets coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "peets coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0148",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "raising cane",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raising cane",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0149",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "schlotzsky's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "schlotzsky's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0150",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "waffle house",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "waffle house",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0151",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "white castle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "white castle",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0152",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "biggby coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "biggby coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0153",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "captain's den",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "captain's den",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0154",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "d cracked egg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "d cracked egg",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0155",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "d'cracked egg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "d'cracked egg",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0156",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin donuts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin donuts",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0157",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "el pollo loco",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "el pollo loco",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0158",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "frozen yogurt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "frozen yogurt",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0159",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jersey mike's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jersey mike's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0160",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "little caesar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "little caesar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0161",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "marco's pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marco's pizza",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0162",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "neon pig cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "neon pig cafe",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0163",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panda express",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panda express",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0164",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "peet's coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "peet's coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0165",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "raising canes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raising canes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0166",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sandwich shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sandwich shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0167",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "woodys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "woodys tupelo",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0168",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bar b q by jim",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bar b q by jim",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0169",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bar-b-q by jim",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bar-b-q by jim",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0170",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bbq restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bbq restaurant",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0171",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caribou coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caribou coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0172",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cracker barrel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cracker barrel",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0173",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fairpark grill",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fairpark grill",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0174",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "firehouse subs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "firehouse subs",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0175",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kentucky fried",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kentucky fried",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0176",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "little caesars",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "little caesars",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0177",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "moes southwest",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "moes southwest",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0178",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nathans famous",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nathans famous",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0179",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "raising cane's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "raising cane's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0180",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "shipley donuts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shipley donuts",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0181",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic drive in #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic drive in",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0182",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0183",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "brick and spoon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "brick and spoon",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0184",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "churchs chicken",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "churchs chicken",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0185",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jack in the box",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jack in the box",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0186",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "moe's southwest",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "moe's southwest",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0187",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nathan's famous",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nathan's famous",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0188",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "scooters coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "scooters coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0189",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "shipley do-nuts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "shipley do-nuts",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0190",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "texas roadhouse",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "texas roadhouse",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0191",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chipotle mexican",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chipotle mexican",
+      "source_hint": "v1_seed_file",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0192",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "church's chicken",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "church's chicken",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0193",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "downunder tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "downunder tupelo",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0194",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "long john silver",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "long john silver",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0195",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "scooter's coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "scooter's coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0196",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "johnnies drive in",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "johnnies drive in",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0197",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mobile order food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mobile order food",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0198",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "another broken egg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "another broken egg",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0199",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "black rifle coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "black rifle coffee",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0200",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "buffalo wild wings",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "buffalo wild wings",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0201",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clays house of pig",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "clays house of pig",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0202",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "johnnie's drive in",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "johnnie's drive in",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0203",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "outback steakhouse",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "outback steakhouse",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0204",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sweet peppers deli",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sweet peppers deli",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0205",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clay's house of pig",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "clay's house of pig",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0206",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "forklift restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "forklift restaurant",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0207",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "longhorn steakhouse",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "longhorn steakhouse",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0208",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "noodles and company",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "noodles and company",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0209",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kentucky fried chicken",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kentucky fried chicken",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0210",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sweet tea and biscuits",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sweet tea and biscuits",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0211",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "the lost pizza company",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "the lost pizza company",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0212",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "delivery fee restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "delivery fee restaurant",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0213",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "quick service restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quick service restaurant",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0214",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "counter service restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "counter service restaurant",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0215",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "king chicken fillin station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "king chicken fillin station",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0216",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0217",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0218",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0219",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0220",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0221",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0222",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0223",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0224",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0225",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0226",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0227",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0228",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0229",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0230",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0231",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0232",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0233",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0234",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0235",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0236",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0237",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "boba ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0238",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0239",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0240",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0241",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafe ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0242",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0243",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0244",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0245",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0246",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0247",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0248",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0249",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc boba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0250",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0251",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0252",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0253",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0254",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0255",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0256",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0257",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0258",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0259",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0260",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0261",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0262",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0263",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0264",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0265",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0266",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0267",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0268",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0269",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0270",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0271",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0272",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0273",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0274",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0275",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0276",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0277",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0278",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0279",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0280",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0281",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0282",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0283",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0284",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0285",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0286",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0287",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0288",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0289",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0290",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0291",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0292",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0293",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0294",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0295",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0296",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nandos #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0297",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newk's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0298",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0299",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0300",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pizza ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0301",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos boba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0302",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0303",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0304",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0305",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0306",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0307",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0308",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0309",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rallys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0310",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0311",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0312",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0313",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0314",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0315",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0316",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0317",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0318",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0319",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0320",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0321",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "subway #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0322",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0323",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0324",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0325",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0326",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0327",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst*.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0328",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0329",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0330",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0331",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxbys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0332",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0333",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "a and w #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0334",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0335",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0336",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0337",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0338",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0339",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0340",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0341",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bakery ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0342",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "burger ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "burger",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0343",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0344",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0345",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0346",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0347",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chili's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0348",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0349",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clover dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0350",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culvers #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0351",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0352",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0353",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "denny's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0354",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0355",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dominos #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0356",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0357",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0358",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0359",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0360",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0361",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ezcater #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ezcater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0362",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fazolis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazolis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0363",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "grubhub #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grubhub",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0364",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "hardees #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0365",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "harveys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harveys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0366",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0367",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0368",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0369",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0370",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kermits #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermits",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0371",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0372",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0373",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "krystal #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "krystal",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0374",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc 7 brew",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0375",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc arby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0376",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc bakery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0377",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc burger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "burger",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0378",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc caviar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0379",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc chilis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0380",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc dennys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0381",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc dunkin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0382",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc nandos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0383",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc newk's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0384",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc panera",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0385",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc rallys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0386",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc subway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0387",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc wendys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0388",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc zaxbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0389",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mt fuji #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mt fuji",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0390",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nandos ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0391",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newk's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0392",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0393",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0394",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0395",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0396",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "paypal dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0397",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pei wei #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pei wei",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0398",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "perkins #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "perkins",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0399",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "popeyes #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "popeyes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0400",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0401",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0402",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0403",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0404",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0405",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0406",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0407",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0408",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0409",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0410",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0411",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0412",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "quiznos #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiznos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0413",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rally's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rally's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0414",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rallys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0415",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0416",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0417",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0418",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp 7 brew",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0419",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp arby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0420",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp caviar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0421",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp chilis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0422",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp dennys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0423",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp dunkin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0424",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp nandos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0425",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp newk's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0426",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp panera",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0427",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp rallys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0428",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp subway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0429",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp wendys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0430",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp zaxbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0431",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * boba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0432",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0433",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0434",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0435",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0436",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0437",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0438",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0439",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0440",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0441",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "stripe dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0442",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "subway ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0443",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0444",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0445",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0446",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0447",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0448",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0449",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa boba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0450",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0451",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0452",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0453",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0454",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendy's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendy's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0455",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0456",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxby's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0457",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxbys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0458",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0459",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0460",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0461",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "a and w ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0462",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0463",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0464",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0465",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0466",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0467",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0468",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0469",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0470",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0471",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0472",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0473",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0474",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0475",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafe 212 #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe 212",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0476",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carls jr #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carls jr",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0477",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0478",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0479",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0480",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0481",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0482",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "checkers #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "checkers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0483",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chili's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0484",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0485",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0486",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0487",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chipotle #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chipotle",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0488",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clover bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0489",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clover kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0490",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cook out #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cook out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0491",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culver's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culver's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0492",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culvers ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0493",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit boba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0494",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0495",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0496",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0497",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0498",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "del taco #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "del taco",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0499",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "denny's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0500",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0501",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0502",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0503",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "domino's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "domino's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0504",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dominos ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0505",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "doordash #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "doordash",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0506",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0507",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0508",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq takeout",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0509",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0510",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0511",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0512",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ez cater #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ez cater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0513",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ezcater ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ezcater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0514",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fazoli's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazoli's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0515",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "fazolis ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazolis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0516",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "grubhub dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0517",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "grubhub ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grubhub",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0518",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "hardee's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardee's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0519",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "hardees ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0520",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "harvey's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harvey's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0521",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "harveys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harveys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0522",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0523",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ihop store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0524",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "in n out #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "in n out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0525",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "in-n-out #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "in-n-out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0526",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "jobos card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0527",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kermit's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermit's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0528",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kermits ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermits",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0529",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0530",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0531",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0532",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "kfc tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0533",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "krystal ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "krystal",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0534",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc a and w",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0535",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc boba ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0536",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc cafe ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0537",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc chili's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0538",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc culvers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0539",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc denny's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0540",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc dominos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0541",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc ezcater",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ezcater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0542",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc fazolis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazolis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0543",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc grubhub",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grubhub",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0544",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc hardees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0545",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc harveys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harveys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0546",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc kermits",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermits",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0547",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc krystal",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "krystal",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0548",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc mt fuji",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mt fuji",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0549",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc pei wei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pei wei",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0550",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc perkins",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "perkins",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0551",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc popeyes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "popeyes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0552",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc quiznos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiznos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0553",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc rally's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rally's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0554",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc takeout",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "takeout",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0555",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc wendy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendy's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0556",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mc zaxby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0557",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mt fuji ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mt fuji",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0558",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "mugshots #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mugshots",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0559",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nandos app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0560",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nandos pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0561",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "nandos.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0562",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "neon pig #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "neon pig",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0563",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newk's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0564",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newk's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0565",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newk's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0566",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "newks card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0567",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0568",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0569",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "panera.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0570",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "paypal bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0571",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "paypal kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0572",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pei wei ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pei wei",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0573",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "perkins ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "perkins",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0574",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "popeyes ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "popeyes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0575",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos 7 brew",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0576",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos arby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0577",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos bakery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bakery",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0578",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos burger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "burger",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0579",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos caviar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0580",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos chilis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0581",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos dennys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0582",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos dunkin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0583",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos nandos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0584",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos newk's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0585",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos panera",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0586",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos rallys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0587",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos subway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0588",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos wendys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0589",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pos zaxbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0590",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "potbelly #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "potbelly",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0591",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0592",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0593",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0594",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0595",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "pp * sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0596",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "qdoba card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0597",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "quiznos ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiznos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0598",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rally's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rally's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0599",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rallys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0600",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rallys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0601",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "rallys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0602",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sonic card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0603",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp a and w",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0604",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp chili's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0605",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp culvers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0606",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp denny's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0607",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp dominos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0608",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp ezcater",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ezcater",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0609",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp fazolis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fazolis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0610",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp grubhub",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grubhub",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0611",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp hardees",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hardees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0612",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp harveys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "harveys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0613",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp kermits",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kermits",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0614",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp krystal",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "krystal",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0615",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp mt fuji",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mt fuji",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0616",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp pei wei",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pei wei",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0617",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp perkins",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "perkins",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0618",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp popeyes",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "popeyes",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0619",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp quiznos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quiznos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0620",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp rally's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rally's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0621",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp wendy's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendy's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0622",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sp zaxby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0623",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0624",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0625",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0626",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0627",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0628",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq * sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0629",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* 7 brew",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0630",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* arby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0631",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* caviar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0632",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* chilis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0633",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* dennys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0634",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* dunkin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0635",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* nandos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0636",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* newk's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0637",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* panera",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0638",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* rallys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0639",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* subway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0640",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* wendys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0641",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "sq* zaxbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0642",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "stripe bww",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0643",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "stripe kfc",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kfc",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0644",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "subway app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0645",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "subway pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0646",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "subway.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0647",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "takeout ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "takeout",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0648",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0649",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0650",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "toast tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0651",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0652",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0653",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0654",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0655",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0656",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0657",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "tst* store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0658",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "ubereats #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ubereats",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0659",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "vanellis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vanellis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0660",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0661",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0662",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0663",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0664",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0665",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "visa sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0666",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendy's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendy's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0667",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0668",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0669",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wendys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0670",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "wingstop #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wingstop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0671",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxby's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0672",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxbys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0673",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxbys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0674",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "zaxbys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0675",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "7 brew card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0676",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "a and w app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0677",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "a and w pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0678",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "a and w.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "a and w",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0679",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex 7 brew",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "7 brew",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0680",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex arby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0681",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex caviar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0682",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex chilis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0683",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex dennys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0684",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex dunkin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0685",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex nandos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nandos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0686",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex newk's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newk's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0687",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex panera",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "panera",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0688",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex rallys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rallys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0689",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex subway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "subway",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0690",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex wendys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wendys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0691",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "amex zaxbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zaxbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0692",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "applebees #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "applebees",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0693",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arby's card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arby's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0694",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0695",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "arbys store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0696",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "barbecue ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barbecue",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0697",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bob evans #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bob evans",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0698",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "boba tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "boba",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0699",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bojangles #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bojangles",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0700",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0701",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0702",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "bww takeout",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bww",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0703",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafe 212 ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe 212",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0704",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cafe tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cafe",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0705",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carl's jr #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carl's jr",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0706",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carls jr ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carls jr",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0707",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "carryout ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "carryout",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0708",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0709",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0710",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava pickup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0711",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cava tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0712",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "caviar card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "caviar",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0713",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "checkers ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "checkers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0714",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chili's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0715",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chili's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0716",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chili's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chili's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0717",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chilis card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chilis",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0718",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "chipotle ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "chipotle",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0719",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clover cava",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cava",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0720",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clover ihop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihop",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0721",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "clover tst*",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tst*",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0722",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "cook out ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cook out",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0723",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culver's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culver's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0724",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culvers app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0725",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culvers pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0726",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "culvers.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "culvers",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0727",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit arbys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arbys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0728",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit jobos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jobos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0729",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit newks",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "newks",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0730",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pizza",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0731",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit qdoba",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "qdoba",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0732",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "debit sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sonic",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0733",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "del taco ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "del taco",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0734",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "denny's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0735",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "denny's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0736",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "denny's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "denny's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0737",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dennys card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dennys",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0738",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "domino's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "domino's",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0739",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dominos app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0740",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dominos pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0741",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dominos.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dominos",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0742",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "door dash #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "door dash",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0743",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "doordash dq",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0744",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "doordash ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "doordash",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0745",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq catering",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0746",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq columbus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0747",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq delivery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0748",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq drive in",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0749",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dq purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dq",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "restaurants_coffee_delivery_0750",
+      "category": "restaurants_coffee_delivery",
+      "pattern": "dunkin card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dunkin",
+      "source_hint": "common_us_chains_and_tupelo",
+      "rationale": "Restaurant, coffee, takeout, or delivery purchase; often everyday spend rather than a bill."
+    },
+    {
+      "id": "travel_transport_parking_0001",
+      "category": "travel_transport_parking",
+      "pattern": "ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0002",
+      "category": "travel_transport_parking",
+      "pattern": "via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0003",
+      "category": "travel_transport_parking",
+      "pattern": "avis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0004",
+      "category": "travel_transport_parking",
+      "pattern": "lyft",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0005",
+      "category": "travel_transport_parking",
+      "pattern": "ntta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0006",
+      "category": "travel_transport_parking",
+      "pattern": "sixt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0007",
+      "category": "travel_transport_parking",
+      "pattern": "taxi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0008",
+      "category": "travel_transport_parking",
+      "pattern": "toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0009",
+      "category": "travel_transport_parking",
+      "pattern": "turo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0010",
+      "category": "travel_transport_parking",
+      "pattern": "uber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0011",
+      "category": "travel_transport_parking",
+      "pattern": "vrbo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0012",
+      "category": "travel_transport_parking",
+      "pattern": "alamo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "alamo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0013",
+      "category": "travel_transport_parking",
+      "pattern": "divvy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "divvy",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0014",
+      "category": "travel_transport_parking",
+      "pattern": "hctra",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hctra",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0015",
+      "category": "travel_transport_parking",
+      "pattern": "hertz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hertz",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0016",
+      "category": "travel_transport_parking",
+      "pattern": "hyatt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hyatt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0017",
+      "category": "travel_transport_parking",
+      "pattern": "ipass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ipass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0018",
+      "category": "travel_transport_parking",
+      "pattern": "motel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "motel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0019",
+      "category": "travel_transport_parking",
+      "pattern": "txtag",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "txtag",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0020",
+      "category": "travel_transport_parking",
+      "pattern": "airbnb",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airbnb",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0021",
+      "category": "travel_transport_parking",
+      "pattern": "amtrak",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amtrak",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0022",
+      "category": "travel_transport_parking",
+      "pattern": "ezpass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ezpass",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0023",
+      "category": "travel_transport_parking",
+      "pattern": "hilton",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hilton",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0024",
+      "category": "travel_transport_parking",
+      "pattern": "i-pass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "i-pass",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0025",
+      "category": "travel_transport_parking",
+      "pattern": "tx tag",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tx tag",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0026",
+      "category": "travel_transport_parking",
+      "pattern": "westin",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "westin",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0027",
+      "category": "travel_transport_parking",
+      "pattern": "zipcar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zipcar",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0028",
+      "category": "travel_transport_parking",
+      "pattern": "clear *",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "clear *",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0029",
+      "category": "travel_transport_parking",
+      "pattern": "clearme",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "clearme",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0030",
+      "category": "travel_transport_parking",
+      "pattern": "e-zpass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "e-zpass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0031",
+      "category": "travel_transport_parking",
+      "pattern": "expedia",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "expedia",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0032",
+      "category": "travel_transport_parking",
+      "pattern": "ez pass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ez pass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0033",
+      "category": "travel_transport_parking",
+      "pattern": "fastrak",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fastrak",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0034",
+      "category": "travel_transport_parking",
+      "pattern": "flixbus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "flixbus",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0035",
+      "category": "travel_transport_parking",
+      "pattern": "jetblue",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jetblue",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0036",
+      "category": "travel_transport_parking",
+      "pattern": "megabus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "megabus",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0037",
+      "category": "travel_transport_parking",
+      "pattern": "meterup",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meterup",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0038",
+      "category": "travel_transport_parking",
+      "pattern": "motel 6",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "motel 6",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0039",
+      "category": "travel_transport_parking",
+      "pattern": "parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "parking",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0040",
+      "category": "travel_transport_parking",
+      "pattern": "sunpass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sunpass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0041",
+      "category": "travel_transport_parking",
+      "pattern": "super 8",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "super 8",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0042",
+      "category": "travel_transport_parking",
+      "pattern": "thrifty",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "thrifty",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0043",
+      "category": "travel_transport_parking",
+      "pattern": "tollway",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tollway",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0044",
+      "category": "travel_transport_parking",
+      "pattern": "wyndham",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "wyndham",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0045",
+      "category": "travel_transport_parking",
+      "pattern": "cab fare",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cab fare",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0046",
+      "category": "travel_transport_parking",
+      "pattern": "citibike",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "citibike",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0047",
+      "category": "travel_transport_parking",
+      "pattern": "days inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "days inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0048",
+      "category": "travel_transport_parking",
+      "pattern": "flowbird",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "flowbird",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0049",
+      "category": "travel_transport_parking",
+      "pattern": "marriott",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "marriott",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0050",
+      "category": "travel_transport_parking",
+      "pattern": "platepay",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "platepay",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0051",
+      "category": "travel_transport_parking",
+      "pattern": "sheraton",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sheraton",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0052",
+      "category": "travel_transport_parking",
+      "pattern": "spothero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spothero",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0053",
+      "category": "travel_transport_parking",
+      "pattern": "taxi cab",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi cab",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0054",
+      "category": "travel_transport_parking",
+      "pattern": "allegiant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "allegiant",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0055",
+      "category": "travel_transport_parking",
+      "pattern": "curb taxi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "curb taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0056",
+      "category": "travel_transport_parking",
+      "pattern": "delta air",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "delta air",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0057",
+      "category": "travel_transport_parking",
+      "pattern": "fast trak",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fast trak",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0058",
+      "category": "travel_transport_parking",
+      "pattern": "greyhound",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "greyhound",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0059",
+      "category": "travel_transport_parking",
+      "pattern": "la quinta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "la quinta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0060",
+      "category": "travel_transport_parking",
+      "pattern": "lime ride",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lime ride",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0061",
+      "category": "travel_transport_parking",
+      "pattern": "priceline",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "priceline",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0062",
+      "category": "travel_transport_parking",
+      "pattern": "rideshare",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rideshare",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0063",
+      "category": "travel_transport_parking",
+      "pattern": "riverlink",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "riverlink",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0064",
+      "category": "travel_transport_parking",
+      "pattern": "road toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "road toll",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0065",
+      "category": "travel_transport_parking",
+      "pattern": "spot hero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spot hero",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0066",
+      "category": "travel_transport_parking",
+      "pattern": "bike share",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bike share",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0067",
+      "category": "travel_transport_parking",
+      "pattern": "car rental",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "car rental",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0068",
+      "category": "travel_transport_parking",
+      "pattern": "hotels.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hotels.com",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0069",
+      "category": "travel_transport_parking",
+      "pattern": "parkmobile",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "parkmobile",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0070",
+      "category": "travel_transport_parking",
+      "pattern": "paybyphone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paybyphone",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0071",
+      "category": "travel_transport_parking",
+      "pattern": "peach pass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "peach pass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0072",
+      "category": "travel_transport_parking",
+      "pattern": "ride share",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ride share",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0073",
+      "category": "travel_transport_parking",
+      "pattern": "uber *trip",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber *trip",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0074",
+      "category": "travel_transport_parking",
+      "pattern": "yellow cab",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "yellow cab",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0075",
+      "category": "travel_transport_parking",
+      "pattern": "booking.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "booking.com",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0076",
+      "category": "travel_transport_parking",
+      "pattern": "bridge toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bridge toll",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0077",
+      "category": "travel_transport_parking",
+      "pattern": "comfort inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "comfort inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0078",
+      "category": "travel_transport_parking",
+      "pattern": "hampton inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hampton inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0079",
+      "category": "travel_transport_parking",
+      "pattern": "holiday inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "holiday inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0080",
+      "category": "travel_transport_parking",
+      "pattern": "park mobile",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "park mobile",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0081",
+      "category": "travel_transport_parking",
+      "pattern": "parking lot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "parking lot",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0082",
+      "category": "travel_transport_parking",
+      "pattern": "quality inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quality inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0083",
+      "category": "travel_transport_parking",
+      "pattern": "airline seat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airline seat",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0084",
+      "category": "travel_transport_parking",
+      "pattern": "airport food",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airport food",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0085",
+      "category": "travel_transport_parking",
+      "pattern": "best western",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "best western",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0086",
+      "category": "travel_transport_parking",
+      "pattern": "bird scooter",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bird scooter",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0087",
+      "category": "travel_transport_parking",
+      "pattern": "drury hotels",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "drury hotels",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0088",
+      "category": "travel_transport_parking",
+      "pattern": "express lane",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "express lane",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0089",
+      "category": "travel_transport_parking",
+      "pattern": "red roof inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "red roof inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0090",
+      "category": "travel_transport_parking",
+      "pattern": "spin scooter",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spin scooter",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0091",
+      "category": "travel_transport_parking",
+      "pattern": "tsa precheck",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "tsa precheck",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0092",
+      "category": "travel_transport_parking",
+      "pattern": "choice hotels",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "choice hotels",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0093",
+      "category": "travel_transport_parking",
+      "pattern": "fairfield inn",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fairfield inn",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0094",
+      "category": "travel_transport_parking",
+      "pattern": "meter parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "meter parking",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0095",
+      "category": "travel_transport_parking",
+      "pattern": "parking meter",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "parking meter",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0096",
+      "category": "travel_transport_parking",
+      "pattern": "delta airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "delta airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0097",
+      "category": "travel_transport_parking",
+      "pattern": "garage parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "garage parking",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0098",
+      "category": "travel_transport_parking",
+      "pattern": "parking garage",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "parking garage",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0099",
+      "category": "travel_transport_parking",
+      "pattern": "public parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "public parking",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0100",
+      "category": "travel_transport_parking",
+      "pattern": "scooter rental",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "scooter rental",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0101",
+      "category": "travel_transport_parking",
+      "pattern": "airline baggage",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airline baggage",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0102",
+      "category": "travel_transport_parking",
+      "pattern": "airport parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airport parking",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0103",
+      "category": "travel_transport_parking",
+      "pattern": "alaska airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "alaska airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0104",
+      "category": "travel_transport_parking",
+      "pattern": "good to go toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "good to go toll",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0105",
+      "category": "travel_transport_parking",
+      "pattern": "rental car fuel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rental car fuel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0106",
+      "category": "travel_transport_parking",
+      "pattern": "spirit airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spirit airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0107",
+      "category": "travel_transport_parking",
+      "pattern": "united airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "united airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0108",
+      "category": "travel_transport_parking",
+      "pattern": "hotel incidental",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hotel incidental",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0109",
+      "category": "travel_transport_parking",
+      "pattern": "passport parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "passport parking",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0110",
+      "category": "travel_transport_parking",
+      "pattern": "american airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "american airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0111",
+      "category": "travel_transport_parking",
+      "pattern": "budget rent a car",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "budget rent a car",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0112",
+      "category": "travel_transport_parking",
+      "pattern": "dollar rent a car",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dollar rent a car",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0113",
+      "category": "travel_transport_parking",
+      "pattern": "frontier airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "frontier airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0114",
+      "category": "travel_transport_parking",
+      "pattern": "hotel reservation",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hotel reservation",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0115",
+      "category": "travel_transport_parking",
+      "pattern": "municipal parking",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "municipal parking",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0116",
+      "category": "travel_transport_parking",
+      "pattern": "airport concession",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airport concession",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0117",
+      "category": "travel_transport_parking",
+      "pattern": "southwest airlines",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "southwest airlines",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0118",
+      "category": "travel_transport_parking",
+      "pattern": "national car rental",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "national car rental",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0119",
+      "category": "travel_transport_parking",
+      "pattern": "courtyard by marriott",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "courtyard by marriott",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0120",
+      "category": "travel_transport_parking",
+      "pattern": "enterprise rent a car",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "enterprise rent a car",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0121",
+      "category": "travel_transport_parking",
+      "pattern": "ihg #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0122",
+      "category": "travel_transport_parking",
+      "pattern": "via #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0123",
+      "category": "travel_transport_parking",
+      "pattern": "avis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0124",
+      "category": "travel_transport_parking",
+      "pattern": "ihg ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0125",
+      "category": "travel_transport_parking",
+      "pattern": "lyft #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0126",
+      "category": "travel_transport_parking",
+      "pattern": "mc ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0127",
+      "category": "travel_transport_parking",
+      "pattern": "mc via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0128",
+      "category": "travel_transport_parking",
+      "pattern": "ntta #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0129",
+      "category": "travel_transport_parking",
+      "pattern": "sixt #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0130",
+      "category": "travel_transport_parking",
+      "pattern": "sp ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0131",
+      "category": "travel_transport_parking",
+      "pattern": "sp via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0132",
+      "category": "travel_transport_parking",
+      "pattern": "taxi #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0133",
+      "category": "travel_transport_parking",
+      "pattern": "toll #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0134",
+      "category": "travel_transport_parking",
+      "pattern": "turo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0135",
+      "category": "travel_transport_parking",
+      "pattern": "uber #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0136",
+      "category": "travel_transport_parking",
+      "pattern": "via ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0137",
+      "category": "travel_transport_parking",
+      "pattern": "vrbo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0138",
+      "category": "travel_transport_parking",
+      "pattern": "alamo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "alamo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0139",
+      "category": "travel_transport_parking",
+      "pattern": "avis ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0140",
+      "category": "travel_transport_parking",
+      "pattern": "hertz #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hertz",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0141",
+      "category": "travel_transport_parking",
+      "pattern": "hyatt #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hyatt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0142",
+      "category": "travel_transport_parking",
+      "pattern": "ihg app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0143",
+      "category": "travel_transport_parking",
+      "pattern": "ihg pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0144",
+      "category": "travel_transport_parking",
+      "pattern": "ihg.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0145",
+      "category": "travel_transport_parking",
+      "pattern": "ipass #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ipass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0146",
+      "category": "travel_transport_parking",
+      "pattern": "lyft ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0147",
+      "category": "travel_transport_parking",
+      "pattern": "mc avis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0148",
+      "category": "travel_transport_parking",
+      "pattern": "mc lyft",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0149",
+      "category": "travel_transport_parking",
+      "pattern": "mc ntta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0150",
+      "category": "travel_transport_parking",
+      "pattern": "mc sixt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0151",
+      "category": "travel_transport_parking",
+      "pattern": "mc taxi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0152",
+      "category": "travel_transport_parking",
+      "pattern": "mc toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0153",
+      "category": "travel_transport_parking",
+      "pattern": "mc turo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0154",
+      "category": "travel_transport_parking",
+      "pattern": "mc uber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0155",
+      "category": "travel_transport_parking",
+      "pattern": "mc vrbo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0156",
+      "category": "travel_transport_parking",
+      "pattern": "ntta ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0157",
+      "category": "travel_transport_parking",
+      "pattern": "pos ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0158",
+      "category": "travel_transport_parking",
+      "pattern": "pos via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0159",
+      "category": "travel_transport_parking",
+      "pattern": "sixt ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0160",
+      "category": "travel_transport_parking",
+      "pattern": "sp avis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0161",
+      "category": "travel_transport_parking",
+      "pattern": "sp lyft",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0162",
+      "category": "travel_transport_parking",
+      "pattern": "sp ntta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0163",
+      "category": "travel_transport_parking",
+      "pattern": "sp sixt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0164",
+      "category": "travel_transport_parking",
+      "pattern": "sp taxi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0165",
+      "category": "travel_transport_parking",
+      "pattern": "sp toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0166",
+      "category": "travel_transport_parking",
+      "pattern": "sp turo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0167",
+      "category": "travel_transport_parking",
+      "pattern": "sp uber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0168",
+      "category": "travel_transport_parking",
+      "pattern": "sp vrbo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0169",
+      "category": "travel_transport_parking",
+      "pattern": "sq* ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0170",
+      "category": "travel_transport_parking",
+      "pattern": "sq* via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0171",
+      "category": "travel_transport_parking",
+      "pattern": "taxi ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0172",
+      "category": "travel_transport_parking",
+      "pattern": "toll ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0173",
+      "category": "travel_transport_parking",
+      "pattern": "turo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0174",
+      "category": "travel_transport_parking",
+      "pattern": "txtag #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "txtag",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0175",
+      "category": "travel_transport_parking",
+      "pattern": "uber ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0176",
+      "category": "travel_transport_parking",
+      "pattern": "via app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0177",
+      "category": "travel_transport_parking",
+      "pattern": "via pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0178",
+      "category": "travel_transport_parking",
+      "pattern": "via.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0179",
+      "category": "travel_transport_parking",
+      "pattern": "vrbo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0180",
+      "category": "travel_transport_parking",
+      "pattern": "airbnb #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "airbnb",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0181",
+      "category": "travel_transport_parking",
+      "pattern": "alamo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "alamo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0182",
+      "category": "travel_transport_parking",
+      "pattern": "amex ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0183",
+      "category": "travel_transport_parking",
+      "pattern": "amex via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0184",
+      "category": "travel_transport_parking",
+      "pattern": "avis app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0185",
+      "category": "travel_transport_parking",
+      "pattern": "avis pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0186",
+      "category": "travel_transport_parking",
+      "pattern": "avis.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0187",
+      "category": "travel_transport_parking",
+      "pattern": "hertz ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hertz",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0188",
+      "category": "travel_transport_parking",
+      "pattern": "hilton #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hilton",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0189",
+      "category": "travel_transport_parking",
+      "pattern": "hyatt ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hyatt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0190",
+      "category": "travel_transport_parking",
+      "pattern": "ihg card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0191",
+      "category": "travel_transport_parking",
+      "pattern": "ihg ride",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0192",
+      "category": "travel_transport_parking",
+      "pattern": "ihg toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0193",
+      "category": "travel_transport_parking",
+      "pattern": "ihg trip",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0194",
+      "category": "travel_transport_parking",
+      "pattern": "ipass ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ipass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0195",
+      "category": "travel_transport_parking",
+      "pattern": "lyft app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0196",
+      "category": "travel_transport_parking",
+      "pattern": "lyft pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0197",
+      "category": "travel_transport_parking",
+      "pattern": "lyft.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0198",
+      "category": "travel_transport_parking",
+      "pattern": "mc alamo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "alamo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0199",
+      "category": "travel_transport_parking",
+      "pattern": "mc hertz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hertz",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0200",
+      "category": "travel_transport_parking",
+      "pattern": "mc hyatt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hyatt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0201",
+      "category": "travel_transport_parking",
+      "pattern": "mc ipass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ipass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0202",
+      "category": "travel_transport_parking",
+      "pattern": "mc motel",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "motel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0203",
+      "category": "travel_transport_parking",
+      "pattern": "mc txtag",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "txtag",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0204",
+      "category": "travel_transport_parking",
+      "pattern": "motel ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "motel",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0205",
+      "category": "travel_transport_parking",
+      "pattern": "ntta app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0206",
+      "category": "travel_transport_parking",
+      "pattern": "ntta pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0207",
+      "category": "travel_transport_parking",
+      "pattern": "ntta.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0208",
+      "category": "travel_transport_parking",
+      "pattern": "pos avis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0209",
+      "category": "travel_transport_parking",
+      "pattern": "pos lyft",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0210",
+      "category": "travel_transport_parking",
+      "pattern": "pos ntta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0211",
+      "category": "travel_transport_parking",
+      "pattern": "pos sixt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0212",
+      "category": "travel_transport_parking",
+      "pattern": "pos taxi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0213",
+      "category": "travel_transport_parking",
+      "pattern": "pos toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0214",
+      "category": "travel_transport_parking",
+      "pattern": "pos turo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0215",
+      "category": "travel_transport_parking",
+      "pattern": "pos uber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0216",
+      "category": "travel_transport_parking",
+      "pattern": "pos vrbo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0217",
+      "category": "travel_transport_parking",
+      "pattern": "pp * ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0218",
+      "category": "travel_transport_parking",
+      "pattern": "pp * via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0219",
+      "category": "travel_transport_parking",
+      "pattern": "sixt app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0220",
+      "category": "travel_transport_parking",
+      "pattern": "sixt pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0221",
+      "category": "travel_transport_parking",
+      "pattern": "sixt.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0222",
+      "category": "travel_transport_parking",
+      "pattern": "sp alamo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "alamo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0223",
+      "category": "travel_transport_parking",
+      "pattern": "sp hertz",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hertz",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0224",
+      "category": "travel_transport_parking",
+      "pattern": "sp hyatt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hyatt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0225",
+      "category": "travel_transport_parking",
+      "pattern": "sp ipass",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ipass",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0226",
+      "category": "travel_transport_parking",
+      "pattern": "sp txtag",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "txtag",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0227",
+      "category": "travel_transport_parking",
+      "pattern": "sq * ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0228",
+      "category": "travel_transport_parking",
+      "pattern": "sq * via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0229",
+      "category": "travel_transport_parking",
+      "pattern": "sq* avis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "avis",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0230",
+      "category": "travel_transport_parking",
+      "pattern": "sq* lyft",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "lyft",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0231",
+      "category": "travel_transport_parking",
+      "pattern": "sq* ntta",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ntta",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0232",
+      "category": "travel_transport_parking",
+      "pattern": "sq* sixt",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sixt",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0233",
+      "category": "travel_transport_parking",
+      "pattern": "sq* taxi",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0234",
+      "category": "travel_transport_parking",
+      "pattern": "sq* toll",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0235",
+      "category": "travel_transport_parking",
+      "pattern": "sq* turo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0236",
+      "category": "travel_transport_parking",
+      "pattern": "sq* uber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0237",
+      "category": "travel_transport_parking",
+      "pattern": "sq* vrbo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vrbo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0238",
+      "category": "travel_transport_parking",
+      "pattern": "taxi app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0239",
+      "category": "travel_transport_parking",
+      "pattern": "taxi pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0240",
+      "category": "travel_transport_parking",
+      "pattern": "taxi.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "taxi",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0241",
+      "category": "travel_transport_parking",
+      "pattern": "toll app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0242",
+      "category": "travel_transport_parking",
+      "pattern": "toll pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0243",
+      "category": "travel_transport_parking",
+      "pattern": "toll.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "toll",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0244",
+      "category": "travel_transport_parking",
+      "pattern": "tst* ihg",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ihg",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0245",
+      "category": "travel_transport_parking",
+      "pattern": "tst* via",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "via",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0246",
+      "category": "travel_transport_parking",
+      "pattern": "turo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0247",
+      "category": "travel_transport_parking",
+      "pattern": "turo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0248",
+      "category": "travel_transport_parking",
+      "pattern": "turo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "turo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0249",
+      "category": "travel_transport_parking",
+      "pattern": "txtag ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "txtag",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "travel_transport_parking_0250",
+      "category": "travel_transport_parking",
+      "pattern": "uber app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "uber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0001",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0002",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0003",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0004",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0005",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0006",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "midas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0007",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nails",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0008",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0009",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "arcade",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arcade",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0010",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0011",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barre3",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barre3",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0012",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "cinema",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cinema",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0013",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "kindle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kindle",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0014",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "audible",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "audible",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0015",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "bowlero",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bowlero",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0016",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "bowling",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bowling",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0017",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "disney+",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "disney+",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0018",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hbo max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hbo max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0019",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "netflix",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "netflix",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0020",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pandora",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pandora",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0021",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "peacock",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "peacock",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0022",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spotify",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spotify",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0023",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "stubhub",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stubhub",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0024",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "topgolf",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "topgolf",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0025",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "apple tv",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "apple tv",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0026",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "autozone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "autozone",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0027",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "car wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "car wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0028",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "cinemark",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cinemark",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0029",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "cyclebar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cyclebar",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0030",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "dog wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dog wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0031",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "fandango",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fandango",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0032",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "goodyear",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "goodyear",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0033",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pep boys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pep boys",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0034",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "seatgeek",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "seatgeek",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0035",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "siriusxm",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "siriusxm",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0036",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sky zone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sky zone",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0037",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "auto zone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto zone",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0038",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "firestone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "firestone",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0039",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sams tire",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sams tire",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0040",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "seat geek",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "seat geek",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0041",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "supercuts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "supercuts",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0042",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "urban air",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "urban air",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0043",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "valvoline",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "valvoline",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0044",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "auto parts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "auto parts",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0045",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "eventbrite",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "eventbrite",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0046",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hair salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hair salon",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0047",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "jiffy lube",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "jiffy lube",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0048",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "laundromat",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "laundromat",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0049",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "main event",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "main event",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0050",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nail salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nail salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0051",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "oil change",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "oil change",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0052",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pure barre",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pure barre",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0053",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "stretchlab",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "stretchlab",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0054",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "youtube tv",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "youtube tv",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0055",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amc theatre",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amc theatre",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0056",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "apple music",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "apple music",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0057",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barber shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barber shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0058",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "costco tire",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "costco tire",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0059",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "delta sonic",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "delta sonic",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0060",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "disney plus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "disney plus",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0061",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "dry cleaner",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dry cleaner",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0062",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "escape room",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "escape room",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0063",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "go car wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "go car wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0064",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "great clips",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "great clips",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0065",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "photo print",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "photo print",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0066",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "prime video",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "prime video",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0067",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "quick quack",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "quick quack",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0068",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sport clips",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "sport clips",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0069",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "vivid seats",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "vivid seats",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0070",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "yoga studio",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "yoga studio",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0071",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amc theaters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amc theaters",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0072",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amc theatres",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "amc theatres",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0073",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "atom tickets",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "atom tickets",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0074",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "club pilates",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "club pilates",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0075",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "cost cutters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cost cutters",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0076",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "event ticket",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "event ticket",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0077",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "massage envy",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "massage envy",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0078",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "orangetheory",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orangetheory",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0079",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "oreilly auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "oreilly auto",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0080",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pet grooming",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pet grooming",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0081",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa services",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa services",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0082",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ticketmaster",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ticketmaster",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0083",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "walmart auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "walmart auto",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0084",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "discount tire",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "discount tire",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0085",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "grease monkey",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "grease monkey",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0086",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "movie theater",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "movie theater",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0087",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "movie theatre",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "movie theatre",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0088",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "o'reilly auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "o'reilly auto",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0089",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "orange theory",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "orange theory",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0090",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "regal cinemas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "regal cinemas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0091",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ticket master",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ticket master",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0092",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "zips car wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zips car wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0093",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "zoo gift shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "zoo gift shop",
+      "source_hint": "v1_seed_file",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0094",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "concert ticket",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "concert ticket",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0095",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "fantastic sams",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fantastic sams",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0096",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "fitness center",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "fitness center",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0097",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "gym membership",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "gym membership",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0098",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hand and stone",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hand and stone",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0099",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "malco theatres",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "malco theatres",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0100",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "paramount plus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "paramount plus",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0101",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "planet fitness",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "planet fitness",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0102",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "anytime fitness",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "anytime fitness",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0103",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "cinemark tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cinemark tupelo",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0104",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mister car wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "mister car wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0105",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "napa auto parts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "napa auto parts",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0106",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "take 5 car wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "take 5 car wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0107",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "youtube premium",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "youtube premium",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0108",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "dave and busters",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dave and busters",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0109",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "museum gift shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "museum gift shop",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0110",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "dave and buster's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "dave and buster's",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0111",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "take 5 oil change",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "take 5 oil change",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0112",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "advance auto parts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "advance auto parts",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0113",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "european wax center",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "european wax center",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0114",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "rainforest car wash",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "rainforest car wash",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0115",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0116",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0117",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0118",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0119",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0120",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0121",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0122",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0123",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0124",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0125",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0126",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0127",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0128",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ymca #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0129",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0130",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0131",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0132",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0133",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0134",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0135",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0136",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0137",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0138",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "midas #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0139",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nails #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0140",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0141",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0142",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0143",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "salon #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0144",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0145",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0146",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0147",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0148",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0149",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0150",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0151",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0152",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ymca ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0153",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amex axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0154",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amex max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0155",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amex spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0156",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0157",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0158",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barber #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0159",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barre3 #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barre3",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0160",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0161",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0162",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0163",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "kindle #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kindle",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0164",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0165",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0166",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc midas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0167",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc nails",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0168",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0169",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "midas ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0170",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nails ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0171",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0172",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0173",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pp * axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0174",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pp * max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0175",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pp * spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0176",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "salon ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0177",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp midas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0178",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp nails",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0179",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0180",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0181",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0182",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq * axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0183",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq * max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0184",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq * spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0185",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0186",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0187",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "tst* axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0188",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "tst* max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0189",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "tst* spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0190",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "visa axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0191",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "visa max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0192",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "visa spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0193",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ymca app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0194",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ymca pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0195",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "ymca.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0196",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amex hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0197",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "amex ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0198",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "arcade ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arcade",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0199",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "audible #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "audible",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0200",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0201",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0202",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "axs store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0203",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barber ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0204",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "barre3 ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barre3",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0205",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "bowlero #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "bowlero",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0206",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "cinema ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cinema",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0207",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "debit axs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "axs",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0208",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "debit max",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0209",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "debit spa",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0210",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "disney+ #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "disney+",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0211",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hbo max #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hbo max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0212",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu auto",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0213",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "hulu card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0214",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "kindle ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kindle",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0215",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0216",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0217",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "max store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "max",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0218",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc arcade",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "arcade",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0219",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc barber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0220",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc barre3",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barre3",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0221",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc cinema",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "cinema",
+      "source_hint": "generic_mcc_like_descriptor",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0222",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "mc kindle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kindle",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0223",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "midas app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0224",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "midas pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0225",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "midas.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0226",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nails app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0227",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nails pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0228",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "nails.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0229",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "netflix #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "netflix",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0230",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pandora #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "pandora",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0231",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "peacock #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "peacock",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0232",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos midas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0233",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos nails",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0234",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pos salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0235",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pp * hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0236",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "pp * ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0237",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "salon app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0238",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "salon pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0239",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "salon.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "salon",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0240",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp barber",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barber",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0241",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp barre3",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "barre3",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0242",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sp kindle",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "kindle",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0243",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0244",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa salon",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0245",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spa store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spa",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0246",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "spotify #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "spotify",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0247",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq * hulu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "hulu",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0248",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq * ymca",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "ymca",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0249",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* midas",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "midas",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "entertainment_lifestyle_misc_0250",
+      "category": "entertainment_lifestyle_misc",
+      "pattern": "sq* nails",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US"
+      ],
+      "base_merchant": "nails",
+      "source_hint": "common_us_chains",
+      "rationale": "Common everyday purchase category; advisory suppression only and user override remains available."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0001",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0002",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0003",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0004",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0005",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0006",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0007",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0008",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0009",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0010",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cafe 212 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0011",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "la green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0012",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "neon pig tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0013",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0014",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "vanelli's bistro",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "vanelli's bistro",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0015",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "blue canoe tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "blue canoe tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0016",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "johnnies drive-in",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "johnnies drive-in",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0017",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "l.a. green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "l.a. green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0018",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "lost pizza tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "lost pizza tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0019",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo honey cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo honey cafe",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0020",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "johnnie's drive-in",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "johnnie's drive-in",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0021",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "clay's house of pig",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "clay's house of pig",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0022",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "caron gallery tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "caron gallery tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0023",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "d'cracked egg tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "d'cracked egg tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0024",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "bar-b-q by jim tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "bar-b-q by jim tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0025",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "fairpark grill tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "fairpark grill tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0026",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mugshots grill tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mugshots grill tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0027",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "thomas street grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "thomas street grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0028",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "brick and spoon tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "brick and spoon tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0029",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "core cycle and outdoor",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "core cycle and outdoor",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0030",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "kermit's outlaw kitchen",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "kermit's outlaw kitchen",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0031",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mall at barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mall at barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0032",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "park heights restaurant",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "park heights restaurant",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0033",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds at barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds at barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0034",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "johnnie's drive in tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "johnnie's drive in tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0035",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sweet peppers deli tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "sweet peppers deli tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0036",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "forklift restaurant tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "forklift restaurant tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0037",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "king chicken fillin station",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "king chicken fillin station",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0038",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sweet tea and biscuits cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "sweet tea and biscuits cafe",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0039",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cadence bank arena concession",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cadence bank arena concession",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0040",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0041",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0042",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0043",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0044",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0045",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0046",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0047",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0048",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0049",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0050",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0051",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0052",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0053",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0054",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0055",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0056",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0057",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0058",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0059",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0060",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0061",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0062",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0063",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0064",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0065",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0066",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0067",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0068",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0069",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0070",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0071",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0072",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "barnes crossing #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0073",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cafe 212 tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0074",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0075",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0076",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0077",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "la green tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0078",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0079",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0080",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0081",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0082",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0083",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0084",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0085",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0086",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "neon pig tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0087",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0088",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0089",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0090",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0091",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0092",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0093",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0094",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0095",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0096",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0097",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0098",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0099",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0100",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0101",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0102",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0103",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0104",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0105",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo hardware #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0106",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0107",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0108",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0109",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0110",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0111",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "barnes crossing ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0112",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cafe 212 tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0113",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "debit jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0114",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "debit reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0115",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0116",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0117",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0118",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0119",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0120",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0121",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0122",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0123",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "la green tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0124",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0125",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc cafe 212 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0126",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc la green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0127",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc neon pig tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0128",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc tupelo hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0129",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0130",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0131",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0132",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0133",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "neon pig tupelo ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0134",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0135",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0136",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0137",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0138",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0139",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0140",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0141",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0142",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0143",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0144",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp cafe 212 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0145",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp la green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0146",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp neon pig tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0147",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp tupelo hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0148",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0149",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0150",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0151",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0152",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0153",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0154",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "toast jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0155",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "toast reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0156",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0157",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0158",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo hardware ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0159",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "vanelli's bistro #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "vanelli's bistro",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0160",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0161",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0162",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0163",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0164",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0165",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0166",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0167",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0168",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0169",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "barnes crossing app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0170",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "barnes crossing pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0171",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "barnes crossing.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0172",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "blue canoe tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "blue canoe tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0173",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cafe 212 tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0174",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cafe 212 tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0175",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "cafe 212 tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0176",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "clover jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0177",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "clover reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0178",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "debit mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0179",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "debit reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0180",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "griggs grocery card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0181",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "harveys tupelo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0182",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo hwy 12",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0183",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo ms 388",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0184",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo ms 397",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0185",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0186",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0187",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "jobos tupelo tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0188",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "johnnies drive-in #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "johnnies drive-in",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0189",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "l.a. green tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "l.a. green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0190",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "la green tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0191",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "la green tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0192",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "la green tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0193",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "lost pizza tupelo #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "lost pizza tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0194",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mc vanelli's bistro",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "vanelli's bistro",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0195",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0196",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mlm clothiers store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0197",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "mt fuji tupelo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0198",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "neon pig tupelo app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0199",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "neon pig tupelo pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0200",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "neon pig tupelo.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0201",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "paypal jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0202",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "paypal reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0203",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0204",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos cafe 212 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0205",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos la green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0206",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos neon pig tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0207",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pos tupelo hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0208",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0209",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0210",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0211",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "pp * woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0212",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0213",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reed's tupelo store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0214",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo hwy 12",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0215",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo ms 388",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0216",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo ms 397",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0217",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0218",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0219",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "reeds tupelo tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0220",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sp vanelli's bistro",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "vanelli's bistro",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0221",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0222",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0223",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0224",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq * woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0225",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0226",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* cafe 212 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0227",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* la green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0228",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* neon pig tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "neon pig tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0229",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "sq* tupelo hardware",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0230",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "stripe jobos tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "jobos tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0231",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "stripe reeds tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reeds tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0232",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "toast mlm clothiers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mlm clothiers",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0233",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "toast reed's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "reed's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0234",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0235",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0236",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0237",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tst* woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0238",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo hardware app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0239",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo hardware pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0240",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo hardware.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo hardware",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0241",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "tupelo honey cafe #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "tupelo honey cafe",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0242",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "vanelli's bistro ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "vanelli's bistro",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0243",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa griggs grocery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "griggs grocery",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0244",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa harveys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "harveys tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0245",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa mt fuji tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "mt fuji tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0246",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "visa woody's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0247",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "woody's tupelo card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "woody's tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0248",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex barnes crossing",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "barnes crossing",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0249",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex cafe 212 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "cafe 212 tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_tupelo_local_everyday_0250",
+      "category": "ms_tupelo_local_everyday",
+      "pattern": "amex la green tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Tupelo"
+      ],
+      "base_merchant": "la green tupelo",
+      "source_hint": "visit_tupelo_tripadvisor_local_business_sites",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0001",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0002",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0003",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0004",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0005",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0006",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0007",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0008",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "idea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0009",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "rosey baby",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rosey baby",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0010",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "strombolis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "strombolis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0011",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "aramark msu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "aramark msu",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0012",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "b unlimited",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "b unlimited",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0013",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "b-unlimited",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "b-unlimited",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0014",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "loco lemons",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "loco lemons",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0015",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "no way jose",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "no way jose",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0016",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "rootdown ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rootdown ms",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0017",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "stromboli's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "stromboli's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0018",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "george marys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "george marys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0019",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "georgia blue",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "georgia blue",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0020",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "little dooey",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "little dooey",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0021",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "saint bridal",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "saint bridal",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0022",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "state floral",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "state floral",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0023",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "umi japanese",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "umi japanese",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0024",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "arepas coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "arepas coffee",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0025",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "caters market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "caters market",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0026",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "garden babies",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "garden babies",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0027",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "george-mary's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "george-mary's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0028",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "maroon and co",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "maroon and co",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0029",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "msu bookstore",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "msu bookstore",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0030",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the camphouse",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the camphouse",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0031",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "two flamingos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "two flamingos",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0032",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bulldog burger",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bulldog burger",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0033",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "cater's market",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "cater's market",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0034",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "glo starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "glo starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0035",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "luva wine room",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "luva wine room",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0036",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the guest room",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the guest room",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0037",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the olive tree",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the olive tree",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0038",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "backstage music",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "backstage music",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0039",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "boardtown pizza",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "boardtown pizza",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0040",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "connies chicken",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "connies chicken",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0041",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "little magnolia",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "little magnolia",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0042",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "msu concessions",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "msu concessions",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0043",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "starkville cafe",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "starkville cafe",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0044",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "vace starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "vace starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0045",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "connie's chicken",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "connie's chicken",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0046",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "daves dark horse",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "daves dark horse",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0047",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "dolce starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "dolce starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0048",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "l' uva wine room",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "l' uva wine room",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0049",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "restaurant tyler",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "restaurant tyler",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0050",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "taste starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "taste starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0051",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the coffee depot",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the coffee depot",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0052",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the frosted fork",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the frosted fork",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0053",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the little dooey",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the little dooey",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0054",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "7 brew starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "7 brew starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0055",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bulldog burger co",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bulldog burger co",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0056",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "dave's dark horse",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "dave's dark horse",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0057",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "designers gallery",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "designers gallery",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0058",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "hobies tiki dawgs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "hobies tiki dawgs",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0059",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "medora starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "medora starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0060",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "revolution resale",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "revolution resale",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0061",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the older brother",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the older brother",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0062",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "whittington gifts",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "whittington gifts",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0063",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "big es dinner club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "big es dinner club",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0064",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "district nutrition",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "district nutrition",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0065",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "high ground coffee",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "high ground coffee",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0066",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "hobie's tiki dawgs",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "hobie's tiki dawgs",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0067",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "miskelly furniture",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "miskelly furniture",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0068",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "montgomery jewelry",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "montgomery jewelry",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0069",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "something southern",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "something southern",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0070",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the flower company",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the flower company",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0071",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "big e's dinner club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "big e's dinner club",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0072",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "blutos greek tavern",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "blutos greek tavern",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0073",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bops frozen custard",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bops frozen custard",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0074",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "dsquared starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "dsquared starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0075",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mississippi eyewear",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "mississippi eyewear",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0076",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "northside nutrition",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "northside nutrition",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0077",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pita pit starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "pita pit starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0078",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "reeds of starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "reeds of starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0079",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "walk ons starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "walk ons starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0080",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "walk-ons starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "walk-ons starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0081",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bluto's greek tavern",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bluto's greek tavern",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0082",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "camphouse starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "camphouse starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0083",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "j parkerson jewelers",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "j parkerson jewelers",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0084",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "renew face and laser",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "renew face and laser",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0085",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "arepas coffee and bar",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "arepas coffee and bar",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0086",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "central station grill",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "central station grill",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0087",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oktibbeha county coop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oktibbeha county coop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0088",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "triangle trading post",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "triangle trading post",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0089",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bennett home furniture",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bennett home furniture",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0090",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "frame house starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "frame house starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0091",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "i just have to have it",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "i just have to have it",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0092",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oktibbeha county co-op",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oktibbeha county co-op",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0093",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "simply home starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "simply home starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0094",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the collective company",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the collective company",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0095",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "barnes and noble at msu",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "barnes and noble at msu",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0096",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "merle norman starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "merle norman starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0097",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "the lily pad starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "the lily pad starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0098",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "costume party starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "costume party starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0099",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "linden guild marketplace",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "linden guild marketplace",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0100",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mississippi state dining",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "mississippi state dining",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0101",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "smoothie king starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "smoothie king starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0102",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "boardtown pizza and pints",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "boardtown pizza and pints",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0103",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "buff city soap starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "buff city soap starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0104",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "dunkington art and jewelry",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "dunkington art and jewelry",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0105",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "jive turkey breakfast club",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "jive turkey breakfast club",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0106",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "warehouse market starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "warehouse market starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0107",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "la green boutique starkville",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "la green boutique starkville",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0108",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "davis wade stadium concessions",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "davis wade stadium concessions",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0109",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mississippi state dining aramark",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "mississippi state dining aramark",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0110",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0111",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0112",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0113",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0114",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0115",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0116",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0117",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0118",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0119",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0120",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0121",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0122",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0123",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0124",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0125",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0126",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0127",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0128",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0129",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0130",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pp * obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0131",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0132",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0133",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0134",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "tst* obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0135",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "visa obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0136",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0137",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0138",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0139",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "debit obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0140",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0141",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0142",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0143",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0144",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0145",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0146",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pp * oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0147",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0148",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0149",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0150",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0151",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "toast obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0152",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "tst* oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0153",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "visa oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0154",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0155",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0156",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0157",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0158",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0159",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "clover obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0160",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "debit oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0161",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "idea shop #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0162",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0163",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0164",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0165",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0166",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0167",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys hwy 12",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0168",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys ms 388",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0169",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys ms 397",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0170",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0171",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0172",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0173",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "paypal obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0174",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0175",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0176",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0177",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0178",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0179",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0180",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0181",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0182",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0183",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "stripe obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0184",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "toast oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0185",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0186",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0187",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0188",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0189",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0190",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0191",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0192",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "clover oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0193",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "idea shop ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0194",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0195",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0196",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0197",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc brewski's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0198",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc idea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0199",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's hwy 12",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0200",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's ms 388",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0201",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's ms 397",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0202",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0203",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0204",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0205",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys gloster",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0206",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys main st",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0207",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0208",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0209",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "paypal oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0210",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0211",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0212",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pp * bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0213",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pp * scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0214",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "rosey baby #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rosey baby",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0215",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0216",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp brewski's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0217",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp idea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0218",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0219",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * obys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0220",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0221",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0222",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0223",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "stripe oby's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0224",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "strombolis #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "strombolis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0225",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "tst* bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0226",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "tst* scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0227",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "visa bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0228",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "visa scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0229",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0230",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0231",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "aramark msu #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "aramark msu",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0232",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "b unlimited #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "b unlimited",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0233",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "b-unlimited #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "b-unlimited",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0234",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0235",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0236",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0237",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0238",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0239",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0240",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "debit bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0241",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "debit scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0242",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "idea shop app",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0243",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "idea shop pos",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0244",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "idea shop.com",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0245",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "liza tye card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0246",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "loco lemons #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "loco lemons",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0247",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc rosey baby",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rosey baby",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0248",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "mc strombolis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "strombolis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0249",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "no way jose #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "no way jose",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0250",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's gloster",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0251",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's main st",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0252",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's memphis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0253",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "oby's store #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0254",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys columbus",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0255",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "obys purchase",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0256",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "paypal * obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0257",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos brewski's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0258",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pos idea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0259",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pp * brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0260",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "pp * liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0261",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "purchase obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0262",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "rootdown ms #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rootdown ms",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0263",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "rosey baby ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rosey baby",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0264",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0265",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "scw run store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0266",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp rosey baby",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "rosey baby",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0267",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sp strombolis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "strombolis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0268",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0269",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0270",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq * oby's ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "oby's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0271",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* brewski's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0272",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "sq* idea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0273",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "stromboli's #",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "stromboli's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0274",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "strombolis ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "strombolis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0275",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "toast bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0276",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "toast obys ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0277",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "toast scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0278",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "tst* brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0279",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "tst* liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0280",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "visa brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0281",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "visa liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0282",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex brewski's",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0283",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "amex idea shop",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "idea shop",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0284",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "aramark msu ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "aramark msu",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0285",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "b unlimited ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "b unlimited",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0286",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "b-unlimited ms",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "b-unlimited",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0287",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 hwy 12",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0288",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 ms 388",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0289",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 ms 397",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0290",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 online",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0291",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 oxford",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0292",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "bin 612 tupelo",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0293",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewski's card",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewski's",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0294",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis debit",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0295",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "brewskis store",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0296",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "checkcard obys",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "obys",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0297",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "clover bin 612",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "bin 612",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0298",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "clover scw run",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "scw run",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0299",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "debit brewskis",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "brewskis",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    },
+    {
+      "id": "ms_starkville_local_everyday_0300",
+      "category": "ms_starkville_local_everyday",
+      "pattern": "debit liza tye",
+      "match_type": "contains_normalized",
+      "confidence": "medium",
+      "suggested_action": "deemphasize_create_bill_button",
+      "still_allow": [
+        "match_existing",
+        "ignore",
+        "manual_create_bill"
+      ],
+      "region_tags": [
+        "US",
+        "MS",
+        "Starkville"
+      ],
+      "base_merchant": "liza tye",
+      "source_hint": "greater_starkville_partnership",
+      "rationale": "Regional merchant or everyday point-of-sale location in Mississippi/Tupelo/Starkville; advisory suppression only."
+    }
+  ],
+  "implementation_note": "A match is a UI hint, not a decision. Use transaction amount, recurrence, user history, merchant category codes, and bill-like override terms before deciding whether to hide, de-emphasize, or show Create Bill.",
+  "test_examples": [
+    {
+      "descriptor": "INTEREST CHARGE PURCHASES",
+      "expected": "high_confidence_hide_create_bill"
+    },
+    {
+      "descriptor": "ATM WITHDRAWAL TUPELO MS",
+      "expected": "high_confidence_hide_create_bill"
+    },
+    {
+      "descriptor": "SQ *BLUE CANOE TUPELO MS",
+      "expected": "medium_confidence_deemphasize_create_bill"
+    },
+    {
+      "descriptor": "PAYPAL *LANDLORD RENT",
+      "expected": "bill_like_override_show_create_bill"
+    },
+    {
+      "descriptor": "WALMART SUPERCENTER STARKVILLE MS",
+      "expected": "medium_confidence_deemphasize_create_bill"
+    },
+    {
+      "descriptor": "MISSISSIPPI STATE DINING ARAMARK",
+      "expected": "medium_confidence_deemphasize_create_bill"
+    },
+    {
+      "descriptor": "MSU TUITION STUDENT ACCOUNT",
+      "expected": "bill_like_override_show_create_bill"
+    }
+  ]
+}
diff --git a/package.json b/package.json
index abcbf32..88cd204 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "bill-tracker",
-  "version": "0.33.7.3",
+  "version": "0.33.8.0",
   "description": "Monthly bill tracking system",
   "main": "server.js",
   "scripts": {
diff --git a/routes/transactions.js b/routes/transactions.js
index 02635ff..5775ca4 100644
--- a/routes/transactions.js
+++ b/routes/transactions.js
@@ -6,6 +6,7 @@ const {
   ensureManualDataSource,
   getTransactionForUser,
 } = require('../services/transactionService');
+const { checkTransaction: advisoryCheck } = require('../services/advisoryFilterService');
 const {
   ignoreTransaction,
   matchTransactionToBill,
@@ -365,7 +366,12 @@ router.get('/', (req, res) => {
     LIMIT ? OFFSET ?
   `).all(...params, page.limit, page.offset);
 
-  res.json(rows.map(decorateTransaction));
+  res.json(rows.map(row => {
+    const decorated = decorateTransaction(row);
+    const title = row.payee || row.description || row.memo || '';
+    decorated.advisory_filter = advisoryCheck(title);
+    return decorated;
+  }));
 });
 
 // POST /api/transactions/manual
diff --git a/services/advisoryFilterService.js b/services/advisoryFilterService.js
new file mode 100644
index 0000000..304dace
--- /dev/null
+++ b/services/advisoryFilterService.js
@@ -0,0 +1,81 @@
+'use strict';
+
+const { getDb } = require('../db/database');
+
+// Lazy-loaded in-memory cache — loaded once on first use
+let _patterns = null;
+let _overrideTerms = null;
+
+function normalize(text) {
+  if (!text) return '';
+  return String(text)
+    .toLowerCase()
+    .replace(/&/g, 'and')
+    .replace(/\s+/g, ' ')
+    .trim();
+}
+
+function loadCache() {
+  if (_patterns !== null) return;
+  const db = getDb();
+  _patterns = db.prepare(
+    'SELECT pattern, confidence, category, rationale FROM advisory_non_bill_filters'
+  ).all();
+  _overrideTerms = db.prepare(
+    'SELECT term FROM advisory_bill_like_overrides'
+  ).all().map(r => r.term);
+}
+
+/**
+ * Check a transaction title against advisory filter patterns.
+ * Returns null if Create Bill should be shown normally, or
+ * { confidence: 'high'|'medium', category, rationale } if it should be suppressed.
+ */
+function checkTransaction(title) {
+  if (!title) return null;
+  try {
+    loadCache();
+  } catch {
+    return null;
+  }
+
+  const normalized = normalize(title);
+  if (!normalized) return null;
+
+  // Bill-like override terms take priority — always show Create Bill
+  for (const term of _overrideTerms) {
+    if (normalized.includes(term)) return null;
+  }
+
+  // Find the highest-confidence matching pattern
+  let highMatch = null;
+  let mediumMatch = null;
+
+  for (const row of _patterns) {
+    if (normalized.includes(row.pattern)) {
+      if (row.confidence === 'high') {
+        highMatch = row;
+        break; // high confidence — no need to keep looking
+      } else if (!mediumMatch) {
+        mediumMatch = row;
+      }
+    }
+  }
+
+  const match = highMatch || mediumMatch;
+  if (!match) return null;
+
+  return {
+    confidence: match.confidence,
+    category: match.category,
+    rationale: match.rationale || null,
+  };
+}
+
+/** Clear the in-memory cache (used after re-seeding in tests). */
+function clearCache() {
+  _patterns = null;
+  _overrideTerms = null;
+}
+
+module.exports = { checkTransaction, clearCache };