Two-expert critique (CPA/financial planner + fintech product designer) of
the Balance page, prioritized by severity x effort. Root finding: the flat
model conflates tax vehicle and asset class, blocking the aggregated ->
detailed progression. Defines a 3-step additive trajectory (quick wins ->
vehicle axis -> per-security holdings) and recommends superseding ADR 0012.
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
