The AI That Covered Its Tracks
The most striking detail from last week’s Anthropic announcement isn’t that their new model, Claude Mythos Preview, found a 27-year-old security vulnerability in a major operating system. It isn’t that the model identified thousands of critical zero-day flaws across every major OS and web browser in a matter of weeks, work that would take the […]
The Doorman Fallacy (And Why You Should Never Let a Spreadsheet Fire Your Best People)
I watched a talk by Rory Sutherland recently that stopped me mid-scroll. If you know Rory, you know he has a way of saying things that sound provocative until you realise they’re just obviously true. This one hit home because it described something I’ve watched happen across the mortgage industry for years, and I suspect […]
1.3 Million More Households. One Report. And a Question Nobody’s Asking.
The Bank of England published its Financial Policy Committee Record this morning. If you’ve seen the headlines, you’ll know the number: 1.3 million additional households now facing higher mortgage costs because of the conflict in the Middle East. That’s the number that made the front pages. But the report itself tells a far more interesting […]
The FCA’s AI Moment: What the Mills Review Means for Mortgage Firms
Nobody in UK financial services seriously doubts that AI is changing things. The question that has been hanging in the air for the last couple of years is whether the regulator is keeping pace, or whether it is watching from a comfortable distance and hoping the existing rulebook holds. On 27 January 2026, the FCA […]
Why the Best Teams Are Not the Ones With the Best People
In 2025, a 19-year-old Italian kid called Kimi Antonelli climbed into a Mercedes Formula 1 car and promptly started crashing it. He crashed in practice sessions. He crashed a rare Mercedes-AMG road car. He made mistakes that, in most high-pressure environments, would have earned him a very public dressing down and a ticket back to […]
Culture Is Not a Team-Building Exercise
There is a question that gets asked in boardrooms, management offsites, and leadership programmes all over the country, and it almost always gets the wrong answer. The question is: where does culture come from? The wrong answer, the one you hear most often, is that culture is something you build from the bottom up. That […]
Culture Is Not a Team-Building Exercise
There is a question that gets asked in boardrooms, management offsites, and leadership programmes all over the country, and it almost always gets the wrong answer. The question is: where does culture come from? The wrong answer, the one you hear most often, is that culture is something you build from the bottom up. That […]
What Does a Mortgage Strategy Consultant Actually Do?
Beyond the Job Title: What a Mortgage Strategy Consultant Really Does If you’ve come across the term “mortgage strategy consultant” and wondered what it actually means in practice, you’re not alone. It’s not a role you’ll find on a standard org chart, and it doesn’t come with a neat job description from the FCA handbook. […]
How We Got Here: The Story of UK Mortgage Regulation
There is a version of history where the UK mortgage market regulated itself, policed by gentlemen’s agreements, voluntary codes, and the quiet assumption that lenders and brokers would do the right thing. That version of history ended on 31 October 2004. But to understand why that day mattered, you need to understand what came before […]
What if your next job offer included a token budget alongside your salary?
What if your next job offer included a token budget alongside your salary? That question felt outlandish until last week, when Jensen Huang walked onstage at GTC 2025 and made a case that AI tokens will become “the single most valuable commodity in the world.” Here’s what caught my attention: OpenClaw & NemoClaw NVIDIA released […]