{
  "version": "1.0.0",
  "engine": "1.0.0",
  "categories": [
    {
      "code": "income_salary",
      "label": "Salary or wages",
      "group": "income"
    },
    {
      "code": "income_government",
      "label": "Government benefit",
      "group": "income"
    },
    {
      "code": "income_other",
      "label": "Other income",
      "group": "income"
    },
    {
      "code": "housing_rent",
      "label": "Rent",
      "group": "essential"
    },
    {
      "code": "housing_mortgage",
      "label": "Mortgage repayment",
      "group": "commitment"
    },
    {
      "code": "utilities",
      "label": "Utilities",
      "group": "essential"
    },
    {
      "code": "groceries",
      "label": "Groceries",
      "group": "essential"
    },
    {
      "code": "transport",
      "label": "Transport and fuel",
      "group": "essential"
    },
    {
      "code": "insurance",
      "label": "Insurance",
      "group": "essential"
    },
    {
      "code": "health",
      "label": "Health",
      "group": "essential"
    },
    {
      "code": "education",
      "label": "Education and childcare",
      "group": "essential"
    },
    {
      "code": "telco",
      "label": "Phone and internet",
      "group": "essential"
    },
    {
      "code": "loan_repayment",
      "label": "Loan repayment",
      "group": "commitment"
    },
    {
      "code": "credit_card",
      "label": "Credit card payment",
      "group": "commitment"
    },
    {
      "code": "bnpl",
      "label": "Buy now pay later",
      "group": "commitment"
    },
    {
      "code": "dining",
      "label": "Eating out and takeaway",
      "group": "discretionary"
    },
    {
      "code": "shopping",
      "label": "Shopping",
      "group": "discretionary"
    },
    {
      "code": "entertainment",
      "label": "Entertainment and subscriptions",
      "group": "discretionary"
    },
    {
      "code": "travel",
      "label": "Travel",
      "group": "discretionary"
    },
    {
      "code": "gambling",
      "label": "Gambling",
      "group": "risk"
    },
    {
      "code": "cash_withdrawal",
      "label": "Cash withdrawal",
      "group": "unknown"
    },
    {
      "code": "transfer",
      "label": "Transfer",
      "group": "transfer"
    },
    {
      "code": "fees",
      "label": "Bank fees and interest",
      "group": "essential"
    },
    {
      "code": "uncategorised",
      "label": "Not categorised",
      "group": "unknown"
    }
  ],
  "unknown_is": {
    "code": "uncategorised",
    "word": "unknown",
    "is_not_a_category": true
  },
  "rules": 112,
  "rules_from": "models/merchants/au.txt, compiled into a committed module. Adding a merchant is a change to a list rather than to the software."
}