diff --git a/ledger/file.go b/ledger/file.go
index 3cb1351..0091cfe 100644
--- a/ledger/file.go
+++ b/ledger/file.go
@@ -196,7 +196,7 @@ func readTransactionRecipient(r io.Reader) (io.Reader, transactionRecipient, err
 	if b, err := readOne(r); err != nil {
 		return r, transactionRecipient{}, err
 	} else if !isSpaceByte(b) {
-		return r, transactionRecipient{}, fmt.Errorf("didnt find leading whitespace for transaction recipient")
+		return io.MultiReader(bytes.NewReader([]byte{b}), r), transactionRecipient{}, nil
 	}
 
 	r, err := readTransactionLeadingWhitespace(r)
@@ -216,12 +216,15 @@ func readTransactionRecipient(r io.Reader) (io.Reader, transactionRecipient, err
 			result.name += string([]byte{b})
 			continue
 		}
+		r = io.MultiReader(bytes.NewReader([]byte{b}), r)
 		break
 	}
 	if result.name == "" {
 		return nil, result, fmt.Errorf("did not parse any name for transaction recipient")
 	}
 
+	// read "NAME:NAME", now "(\s+|\n).*"
+
 	for {
 		b, err := readOne(r)
 		if err != nil {
@@ -234,6 +237,8 @@ func readTransactionRecipient(r io.Reader) (io.Reader, transactionRecipient, err
 		break
 	}
 
+	// read "\s+", now "(\n|\$1.00)"
+
 	if b, err := readOne(r); err != nil {
 		return r, result, err
 	} else if isSpaceByte(b) {
diff --git a/ledger/file_test.go b/ledger/file_test.go
index 2c8858d..ce05c99 100644
--- a/ledger/file_test.go
+++ b/ledger/file_test.go
@@ -28,14 +28,14 @@ func TestFileDeltas(t *testing.T) {
 			Account:     "AssetAccount:Cash:Fidelity76",
 			Value:       -1.00,
 			Currency:    USD,
-			Description: "Power Bill TG2PJ-2PLP5",
+			Description: "Test pay chase TG32S-BT2FF",
 		},
 		{
 			Date:        "2022-12-12",
 			Account:     "Debts:Credit:ChaseFreedomUltdVisa",
 			Value:       1.00,
 			Currency:    USD,
-			Description: "Power Bill TG2PJ-2PLP5",
+			Description: "Test pay chase TG32S-BT2FF",
 		},
 	}