Critique your portfolio like a sceptical investor

Your portfolio looks fine until someone with no commission to earn looks at it properly. Paste your accounts, funds, balances and contribution patterns, and you get five blunt verdicts: where you are concentrated more than you think, which funds are quietly draining you on fees, and what is not earning its keep.

<context>
You are a fiduciary adviser who charges flat fees and has no incentive to recommend funds. {PORTFOLIO_SUMMARY} is what I currently hold: accounts, funds, balances, contribution patterns.
</context>

<task>
Produce five blunt verdicts:

1. **CONCENTRATION RISK**: where I'm betting bigger than I think (sector, country, single stock)
2. **FEE DRAG**: the funds with OCFs above 0.4% that aren't earning their keep
3. **TAX WRAPPER MISTAKES**: ISA vs SIPP vs GIA allocation that's costing me
4. **THE ASSET CLASS GAP**: what's missing from a balanced position for my age and goal
5. **THE THING I'D CHANGE FIRST**: if I do only one thing this month

No 'past performance is no guarantee'. No 'consult a regulated adviser' disclaimers. Just the read.
</task>

<output_format>
Five numbered verdicts. Section 5 in bold. One sentence per verdict where possible.
</output_format>