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  • Get in contact with us.

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    Need to contact Cobens Direct? Please visit our contact page: cobensdirect.co.uk/contact or you can call us on 0203 301 1242. Our office hours are: 9:00AM - 5:30PM Monday to Thursday 9:00AM - 5:00PM Friday We are closed on UK bank holidays.
  • The latest announcements regarding Cobens Direct

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    Myself and Nik will be around next week but I'll be away for a few days before Xmas to recharge the batteries before the madness starts Just wanted to say we at Cobens wish you all a very happy holidays. Here's to a productive 2026.
  • What's on your mind?

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    @Adam-Kay said in Tech changes: OT-the US just reported 4% growth in gdp. The biggest cut to the deficit in 10 years. Remind me what direction UK GDP is going in? We really are screwed in this country, aren't we.
  • All things Investment Related and Updates on The Cobens Direct portfolios

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    From what ive read it's a big leap forward in ability. All big name CEOs have commented on it Now, the lab versions OpenAI is running with all this new funding are probably on a whole different level—think of them more like an IQ of 200 vs GPT 5 IQ 140. They can handle huge, multi-step problems that require combining logic, memory, maths, language, vision, even code. They could plan projects, predict complex systems, design experiments, or coordinate multiple agents at the same time. The usefulness comes down to real-world problem solving. Where public GPT‑5 is excellent for everyday tasks—writing an essay, helping with code, summarising documents—the lab models might: help scientists design new drugs, optimise supply chains globally, simulate economic or climate scenarios, or even run advanced robotics tasks. In short: public GPT‑5 is smart, but the lab versions are the ones likely showing frontier-level reasoning, memory, and creative problem-solving—the kind of AI that could tackle tasks humans find extremely challenging or slow. I believe the following is a realistic example based on reliable sources I read: Drug discovery and design. With public GPT‑5, you could ask it to summarise research papers on a disease, suggest plausible molecular targets, or draft a report on clinical trial data. It’s helpful, but a human scientist still has to do the heavy lifting: designing molecules, simulating their behaviour, and predicting side effects. Now imagine the lab model: it could ingest millions of molecular structures, biochemical pathways, patient datasets, and research papers simultaneously, then design entirely new compounds, simulate their interactions, predict toxicity, and optimise for effectiveness—all in a fraction of the time a team of experts would take. It could even propose multiple variations, rank them by likelihood of success, and adapt its suggestions based on real-world lab results. The difference is like going from a super-intelligent research assistant to an autonomous research team that can plan, iterate, and predict outcomes across disciplines. Public GPT‑5 gives you ideas; the lab model starts doing the actual work, making discoveries that would otherwise take years. Anthropics CEO described the leap as going from working with a good PHD student to working with a country of Nobel prize winners. He means working with genius level AI agents all working on the same task (millions of them all working independently). From what ive been reading and hearing GPT 3, 4,5 increments in smarts which we have seen publicly Vs The lab version is a leap from 5 to 10! I think we will see something very impressive in the next 6 months. The funding is to scale out the compute so OpenAI can prepare for the huge influx in enterprise use. And it would appear as though Amazon just got the contract to cloud serve the bandwidth to do it.
  • Everything regarding pensions.

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    Hi Siri It would be the 25/26 year now, if the birth is really close to tax year end just drop me a mail and I'll get the contribution set up. Cheers Nik
  • Capital Gains, Inheritance, Income, Corporation e.t.c.

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    A shame you can’t ’back-date’ your ISA contributions, but at least a reminder to fill them now & moving forwards
  • Discussions regarding mortgages.

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    @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.
  • Life, Health, Business, Family what should you protect and how?

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  • All your questions relating to our servicing and administration.

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    As detailed by Adam above, Cobens have no part in the transfer process so please direct any queries to Quai The response posted above by Malcom is from Tony, the Chief Exec at Quai, we are not able to add anything to this.