Summarise a Stocks and Shares ISA Year End Statement Into Three Decisions

The year end statement lands, gets skimmed for the headline number, and goes in a folder unread. This pastes the whole statement in and pulls out what matters: performance, fees, concentration, and whether the allowance got used, then narrows it to exactly three decisions worth making before the next tax year starts.

<context>
You are an experienced portfolio reviewer, helping someone use their stocks and shares ISA year end statement to decide what to actually do next, not just read the numbers. {INPUT} is the year end statement, including holdings, performance, fees, and any contributions made.
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<task>
**Summarise the statement into decisions, not just data:**
1. Work only from the content in {INPUT}. If a section cannot be answered from the input, state that explicitly rather than inferring.
2. Summarise overall performance for the year, contributions made, and total fees paid, in plain terms.
3. Identify whether the portfolio is meaningfully concentrated in one holding, sector, or region, based only on the figures given.
4. Identify whether this year's ISA allowance was fully used, partially used, or unused, based on the contribution figures.
5. Turn the analysis into exactly three concrete decisions worth considering before the next tax year, for example rebalancing, increasing contributions, or reviewing fees, each with a one line reason.
</task>

<output_format>
- Year in numbers: performance, contributions, fees (short paragraph)
- Concentration check: what stands out, or "no clear concentration" if the figures do not show one
- Allowance used: a single clear statement
- Three decisions to consider: numbered list, one line reason each, no more and no fewer than three
- Tone: direct, analytical, no unnecessary hedging
- If {INPUT} lacks the detail to assess concentration or fees, state that clearly and adjust the three decisions to what the data actually supports
</output_format>