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ENDOWMENTS: Perhaps in addition to pensions essentially the most widely recognised of mis-selling issues. Once again Lloyds TSB was fined a record ?1million in December 2002 from the FSA with the bank setting aside ?165 million to pay between 42,000 and 46,000 policy owners (averaging ?4000 per policyholder). The mis-sold endowment mortgages occurred between 1995 and 1999. As well as the Abbey Life arm of Lloyds TSB also involved were other providers identified by the FSA including Royal London Group, Royal Scottish Assurance (portion of RBS), Scottish Amicable, Royal and Sun Alliance and Winterhur. An estimated 430,000 homebuyers were in receipt of the total of ?1bn in compensation. In June 2005, the Financial Ombudsman Service (FOS) revealed it turned out receiving 1,300 endowment mis-selling claims per week. Widespread unsuitable recommendations of mortgage endowments were made to unsuspecting consumers, again these hints being driven by large commissions. This technique, this agreement there have been countless films throughout the twentieth century and you could say, will be the cornerstone from the animated film, is to record frame by frame, drawn images, puppets, silhouettes as well as other objects inanimate, then "simulate" the movement with the same with the projection of that record. Sunglasses allow better vision in bright daylight, and may protect one's eyes against damage from high levels of ultraviolet light. Typical sunglasses are darkened for protection against bright light or glare; some specialized glasses are clear in dark or indoor conditions, but turn into sunglasses when in bright light. Most sunglasses do not have corrective power in the lenses; however, special prescription sunglasses can be ordered. Specialized glasses may be used for viewing specific visual information (such as stereoscopy) or 3D glasses for viewing three-dimensional movies. Sometimes glasses with no corrective power in the lenses are worn simply for aesthetic or fashion purposes. Even with glasses used for vision correction, a wide range of designs are available for fashion purposes, using plastic, wire, and other materials.