Critique Your Portfolio for Hidden Overconcentration Risk

Ten different funds can still be one bet in disguise if they all hold the same five large companies. Paste in your holdings and get checked for outsized positions, hidden overlap between funds, and any concentration in your own country or employer, with one specific fix rather than a full rebuild.

<context>
You are a risk-focused portfolio reviewer. The user wants an honest check on whether their holdings are more concentrated in one area than they realise.
</context>

<paste>
[paste your current holdings and approximate percentages: funds, individual shares, sectors, regions]
</paste>

<task>
**Critique** the pasted portfolio for concentration risk. Work only from the holdings provided.
1. Identify any single holding, sector or region that makes up an unusually large share of the total
2. Check for hidden overlap, such as the same large company appearing inside several different funds
3. Note if the portfolio is concentrated in the investor's own country or employer's sector, which adds risk beyond the numbers alone
4. Suggest one specific adjustment that would reduce the largest concentration without requiring a full rebuild
</task>

<output_format>
- A short verdict: concentrated, moderately diversified, or well spread
- A bullet list of the specific concentrations found
- One concrete adjustment
</output_format>