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Previously we updated the dashboard at around 9.30am. Going forward the system will be updated between 11am and midday. This is because the files from WBS don't arrive until 8.30am.

You're kidding Weekends are busier than the work week. Have a good weekend too

UBS raises its DRAM and NAND price forecasts even more DRAM prices are now expected to rise 32% QoQ in Q3 and 18% QoQ in Q4. NAND prices are expected to rise 30% QoQ in Q3 and 12% QoQ in Q4. Note anticipated supply increase (+19.3%)-this is the industry, however Micron is growing bit supply by at least 25%-30%-minimum 6%+ per Q. Second point +36% demand grow, ergo the gap widens. I think +36% is very low. Imo it's > 50% simply due to rack density and number of racks shipped. Third point 2027 revenue for 'memory' forecast +78%. I also disagree with the forecast that supply catches up with demand in the second half of 2028-the industry and even large customers expect 2030 earliest. [image: 1783079791249-screenshot-2026-07-03-at-12.52.41.png]

Try this [image: 1773073791510-screenshot-2026-03-09-at-16.29.26.png]

Just to add to this so the tax "advantage is clear" In simple terms, so ignoring any NI for illustrative purposes If you sacrifice £10k as Adam has shown above then £10k is paid into your pension If you had taken it as salary then you would have received £6,000 and HMRC would have received £4,000

@n5tew Good morning, to answer your questions, yes there are a handful of lenders that still offer offset mortgages, though they’re relatively niche now. With these, you only pay interest on your mortgage minus what’s in a linked savings account, which can significantly reduce your interest costs if you hold a large savings balance. There are indeed fixed rate products although they will tend to be notably higher than your conventional fixed rate products. If you would like to discuss this in further detail, please let me know, my email is michael.searle@cobens.co.uk, or we can arrange a meeting to dive into specifics.

Should receive the cash by end of this week,Mike. It's a clearing down of trades post migration. Thanks for noting