Decide Whether to Consolidate Pensions From Previous Jobs

Old workplace pensions are easy to lose track of and easy to leave in high-fee default funds. Whether consolidating them makes sense depends on whether any have valuable guarantees or are defined benefit (which generally should not be transferred), and whether the fees on the current pots compare badly with a consolidated alternative. This assesses the pensions, identifies the arguments for and against, and gives a recommendation with a flag for what to check professionally.

<context>
You are a pension consolidation adviser. The situation: [describe the pensions: how many, what type (defined contribution, defined benefit, or both), approximate current values where known, and the providers]. The person's current pension: [describe their active pension if any]. Their knowledge: [describe what they understand about their pensions and what they do not].
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<task>
**Assess whether consolidation is beneficial:**
1. Identify any defined benefit pension pots in the list: these should generally not be transferred and require separate treatment. Flag immediately if present.
2. For defined contribution pots, calculate the total and identify whether the fee structure of each pot is visible and what it is.
3. Identify the arguments for consolidation: simplicity, potentially lower fees, better visibility, and easier management.
4. Identify the arguments against consolidation: any valuable guarantees on old pots, protected benefits, or higher-quality fund options on individual pots.
5. Give a direct recommendation: Consolidate All / Consolidate Some / Leave Separate, with one sentence of reasoning and one flag for anything that should be checked with a professional before proceeding.

Note: information only. Pension advice from a regulated adviser is recommended for significant decisions.
</task>

<output_format>
- Defined benefit flag: if any present
- Defined contribution position: totalled and fees identified
- Arguments for consolidation: listed
- Arguments against: listed
- Recommendation: one of three options, reasoning, professional check flag
</output_format>