{
  "_comment": "Staging merchant map. First match wins; specific before generic. account_id filled at resolve. category=safe existing default only; review:true => account is firm but Dane sets category+budget (Needs/Wants/Savings) per transaction.",
  "_special_nonmerchant": {
    "ach_7552_payment": "'ACH DEPOSIT INTERNET TRANSFER FROM ACCOUNT ENDING IN 7552' on Apple Card => TRANSFER PNC Checking -> Apple Credit Card.",
    "daily_cash_adjustment": "'DAILY CASH ADJUSTMENT' => Apple Card Daily Cash; the ADJUSTMENT is NEGATIVE cashback income (clawback on a return). Sign follows amount; revenue acct 'Apple Card Cashback'."
  },
  "rules": [
    {
      "match": "DUQUESNE LIGHT",
      "account_name": "Duquesne Light",
      "category": "Utilities: Electric",
      "budget": "Needs",
      "type": "withdrawal"
    },
    {
      "match": "UNIV PITTSBURGH (PAYROLL|SALARY)",
      "regex": true,
      "account_name": "Pitt Salary",
      "category": "Wages",
      "type": "deposit"
    },
    {
      "match": "INTEREST PAYMENT",
      "account_name": "Interest Income",
      "category": "Investment: Interest",
      "type": "deposit"
    },
    {
      "match": "IRS TREAS 310",
      "account_name": "IRS Refund",
      "category": "Taxes",
      "type": "deposit"
    },
    {
      "match": "PITT TUITION",
      "account_name": "University of Pittsburgh",
      "category": "Education",
      "type": "withdrawal"
    },
    {
      "match": "DAILY CASH ADJUSTMENT",
      "account_name": "Apple Card Cashback",
      "category": "Other",
      "type": "deposit",
      "review": true
    },
    {
      "match": "ATM SURCHARGE REIMB",
      "account_name": "Don't Know",
      "type": "deposit"
    },
    {
      "match": "YARDI PENNY TEST",
      "account_name": "Don't Know",
      "type": "deposit",
      "review": true
    },
    {
      "match": "VENMO CASHOUT|CASH APP|ZEL FROM",
      "regex": true,
      "account_name": "Don't Know",
      "type": "deposit",
      "review": true
    },
    {
      "match": "ATM DEPOSIT",
      "account_name": "Don't Know",
      "type": "deposit",
      "review": true
    },
    {
      "match": "AMZN|AMAZON",
      "regex": true,
      "account_name": "Amazon",
      "review": true,
      "type": "withdrawal",
      "account_id": 720
    },
    {
      "match": "EBAY",
      "account_name": "eBay",
      "review": true,
      "type": "withdrawal",
      "account_id": 622
    },
    {
      "match": "SVDP",
      "account_name": "St. Vincent de Paul",
      "review": true,
      "type": "withdrawal"
    },
    {
      "match": "WINE AND SPIRITS",
      "account_name": "Fine Wine & Good Spirits",
      "review": true,
      "type": "withdrawal"
    },
    {
      "match": "COMCAST|XFINITY",
      "regex": true,
      "account_name": "Comcast / Xfinity",
      "review": true,
      "type": "withdrawal",
      "account_id": 585
    },
    {
      "match": "LIBERTY MUTUAL",
      "account_name": "Liberty Mutual",
      "review": true,
      "type": "withdrawal",
      "account_id": 871
    },
    {
      "match": "JEGS",
      "account_name": "JEGS",
      "review": true,
      "type": "withdrawal",
      "account_id": 887
    },
    {
      "match": "APEX RACE PARTS",
      "account_name": "Apex Race Parts",
      "review": true,
      "type": "withdrawal",
      "account_id": 594
    },
    {
      "match": "ADVANCE AUTO",
      "account_name": "Advance Auto Parts",
      "review": true,
      "type": "withdrawal"
    },
    {
      "match": "SUBARU OF SOUTH HILLS",
      "account_name": "Subaru of South Hills",
      "review": true,
      "type": "withdrawal",
      "account_id": 555
    },
    {
      "match": "ALLEGHENY ARMS",
      "account_name": "Allegheny Arms",
      "category": "Recreation: Firearms",
      "review": true,
      "type": "withdrawal",
      "account_id": 657
    },
    {
      "match": "WILLI S SKI|WILLIS SKI",
      "regex": true,
      "account_name": "Willi's Ski Shop",
      "category": "Recreation: Snowboarding",
      "review": true,
      "type": "withdrawal"
    },
    {
      "match": "CASTLE SHANNON SHOP",
      "account_name": "Shop 'n Save",
      "category": "Groceries",
      "budget": "Needs",
      "type": "withdrawal",
      "account_id": 572
    },
    {
      "match": "MARKET DISTRICT|GIANT EAGLE",
      "regex": true,
      "account_name": "Giant Eagle",
      "category": "Groceries",
      "budget": "Needs",
      "type": "withdrawal",
      "account_id": 592
    },
    {
      "match": "KUHNS",
      "account_name": "Kuhn's Market",
      "category": "Groceries",
      "budget": "Needs",
      "type": "withdrawal",
      "account_id": 563
    },
    {
      "match": "COMPEER",
      "account_name": "Compeer Investments",
      "category": "Rent",
      "budget": "Needs",
      "type": "withdrawal"
    },
    {
      "match": "UPMC STUDENT INSURANCE",
      "account_name": "UPMC Student Insurance",
      "category": "Medical",
      "budget": "Needs",
      "type": "withdrawal",
      "account_id": 612
    },
    {
      "match": "SPIEGEL FREEDMAN",
      "account_name": "Spiegel Freedman Psychological Associates",
      "category": "Medical",
      "budget": "Needs",
      "type": "withdrawal"
    },
    {
      "match": "APPLE.COM",
      "account_name": "Apple",
      "category": "Subscriptions",
      "budget": "Wants",
      "type": "withdrawal"
    },
    {
      "match": "CLAUDE.AI",
      "account_name": "Claude.ai",
      "category": "Subscriptions",
      "budget": "Wants",
      "type": "withdrawal"
    },
    {
      "match": "OPENAI",
      "account_name": "OpenAI",
      "category": "Subscriptions",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 576
    },
    {
      "match": "YOUTUBE TV",
      "account_name": "YouTube TV",
      "category": "Subscriptions",
      "budget": "Wants",
      "type": "withdrawal"
    },
    {
      "match": "PEACOCK",
      "account_name": "Peacock",
      "category": "Subscriptions",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 607
    },
    {
      "match": "MCDONALD",
      "account_name": "McDonald's",
      "category": "Restaurants",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 580
    },
    {
      "match": "PAMELA.?.?S? ?DINER|PAMELA'SDINER",
      "regex": true,
      "account_name": "Pamela's Diner",
      "category": "Restaurants",
      "budget": "Wants",
      "type": "withdrawal"
    },
    {
      "match": "PRIMANTI BROS",
      "account_name": "Primanti Bros",
      "category": "Restaurants",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 747
    },
    {
      "match": "MINEO'S|MINEOS",
      "regex": true,
      "account_name": "Mineo's Pizza",
      "category": "Restaurants",
      "budget": "Wants",
      "type": "withdrawal"
    },
    {
      "match": "DAVE AND ANDY|DAVE & ANDY",
      "regex": true,
      "account_name": "Dave & Andy's",
      "category": "Restaurants",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 769
    },
    {
      "match": "STARBUCKS",
      "account_name": "Starbucks",
      "category": "Coffee",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 611
    },
    {
      "match": "TAZZA D|ENRICO'S TAZZA",
      "regex": true,
      "account_name": "Tazza D'Oro",
      "category": "Coffee",
      "budget": "Wants",
      "type": "withdrawal"
    },
    {
      "match": "LA GOURMANDINE",
      "account_name": "La Gourmandine",
      "category": "Coffee",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 595
    },
    {
      "match": "NEEDLE & BEAN|NEEDLE & BEAN|NEEDLE AND BEAN",
      "regex": true,
      "account_name": "Needle & Bean",
      "category": "Coffee",
      "budget": "Wants",
      "type": "withdrawal",
      "account_id": 660
    },
    {
      "match": "SHEETZ",
      "account_name": "Sheetz",
      "category": "Auto: Fuel",
      "type": "withdrawal",
      "account_id": 566
    },
    {
      "match": "BP#9604786|UKANI BRO",
      "regex": true,
      "account_name": "BP",
      "category": "Auto: Fuel",
      "type": "withdrawal"
    },
    {
      "match": "24 7 TRAVEL ST",
      "account_name": "24/7 Travel Store",
      "category": "Auto: Fuel",
      "type": "withdrawal"
    },
    {
      "match": "PITT PARKING",
      "account_name": "Pitt Parking",
      "category": "Auto: Parking",
      "type": "withdrawal",
      "account_id": 870
    },
    {
      "match": "T2\\* MT LEBANON",
      "regex": true,
      "account_name": "Mt Lebanon Parking",
      "category": "Auto: Parking",
      "type": "withdrawal"
    },
    {
      "match": "GLOSS\\* JAYME|XCEPTIONAL STYLE",
      "regex": true,
      "account_name": "Xceptional Style",
      "category": "Personal Care",
      "budget": "Wants",
      "type": "withdrawal"
    }
  ]
}