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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.

Thank you

from the Apple call last night [image: 1793717532163-screenshot-2026-11-03-at-14.50.15-resized.png] Look at what John Ternus is telling investors: Memory pricing is unprecedented. That's an extraordinary admission from a company with Apple's purchasing power. Prices rose in the September quarter and will rise further in December. Prices will continue increasing beyond December. This isn't being described as a temporary spike. Existing inventory is cushioning the impact, but that protection will progressively disappear. Apple has already increased product prices to help offset component inflation. And here's the important bit: Apple is one of the largest, most sophisticated component purchasers in the world. If Apple cannot negotiate its way around rising memory prices, smaller customers are hardly going to fare better. seems fitting to quote a real conversation from a decade ago Back in 2015, Apple's notoriously aggressive procurement chief, Tony Blevins, threatened a SanDisk salesman that he would make its CEO, Sanjay Mehrotra, come crawling back to Apple on his knees. Sanjay was then CEO of SanDisk. Today, of course, he's CEO of Micron.

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

Hi As per my email yesterday the CGT reports are generated by the custodian and we are waiting for the API links form the new custodian to be finalised. Once that is done the reports will be back on the portal. In the meantime just drop me a message and I will run a manual report for you Cheers

@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.

Thanks Nik