In this issue, we look at ways of getting the most out of MoSes models using a combination of hardware and techniques. We begin with a case study on variable annuities, which shows how tools, such as MoSes HPC and MoSes Azure can reduce computing times, in combination with other run time reduction techniques. We then move on to a tutorial which looks at the ways to make use of non-rectangluar and ‘structured’ SmartArrays and how they can be used to optimise memory. We end with a round-up of news from the world of financial modelling.