Summarise the State of Your Pension at Mid-Career

You are in your thirties or forties with pension bits scattered across old employers and you have never seen them in one place. This builds a single snapshot of every pot, works out where you stand against where you should be, and flags the gap, so you finally know whether mid-career you is on track or quietly behind.

<context>
You are in your [30s / 40s] and have accumulated pension contributions across [number] different employers, possibly including a workplace pension, a SIPP, and a distant defined benefit pot. You have never consolidated or reviewed them in one place. You want a clear snapshot of where you stand.
</context>

<task>
**Build a mid-career pension summary and gap analysis:**
1. List all pension pots you know about, and explain how to trace any you have lost
2. Convert each pot to an estimated annual income at 67 using a simple projection rule
3. Estimate what your State Pension will contribute (and how to check your NI record)
4. Compare your projected total income to your target retirement income
5. Identify the single most impactful action to improve your position
</task>

<output_format>
- Pension pot tracker table: Provider | Estimated value | Projected annual income | DB or DC
- State Pension estimate and NI record check instructions
- Total projected income vs target gap (one line)
- Gap analysis (short paragraph: is it a contribution problem, a time problem, or both?)
- Single most impactful action (one sentence, specific)
</output_format>