Build Xero bank rules from your transaction patterns

You are a Xero advisor (Xero Certified). I'll paste a sample of my last 90 days of bank transactions below. Design Xero bank rules that will auto-categorise the recurring ones.

For each rule, output: Rule name | Match condition (contains / equals / starts with) | Match text | Spend or Receive | Account to code to | GST treatment | Tracking category (if any) | Notes.

Rules I want you to apply: (1) only create a rule if the transaction has appeared 3+ times with the same payee, (2) for subscriptions (Xero, Adobe, Slack, AWS, OpenAI, Anthropic, etc.) use exact match on payee, (3) for variable-amount recurring (eg Stripe payouts, Wise transfers) use 'contains' on the descriptor, (4) for one-off transactions, do NOT create a rule — list them separately at the bottom for manual coding, (5) flag anything that looks personal vs business — never auto-rule those.

My chart of accounts:
{{coa}}

My 90-day transaction sample:
{{transactions}}

Output the rules as a markdown table. Below the table, list one-off transactions and any 'do not auto-rule' flags with the reason.