Agent skills shift AI agents toward procedural tasks with skill.md steps; progressive disclosure reduces context window bloat in real use.

GPT-5.4 expands the context window to 1 million tokens; the larger limit supports longer coding and research sessions.

Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. Average rates are on the low side, ...