tupac art 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. The DSM-IV-TR, it of formal psychiatric diagnoses, categorizes trichotillomania just as one impulse control disorder. That would help it become akin to pathological nail-biting, fire-setting, stealing, gambling, skin-picking, and explosive behavior. But some would categorize trich as a possible anxiety, much like obsessive-compulsive disorder (OCD). Others believe trich is a tic disorder, even a dependency. It?s interesting that trichotillomania continues to be acknowledged as a ?disorder? for only about twenty years. Since this hobby's inception during the 1950's, it has evolved with time. Starting across the 1960's many equipment dealers would host simple carving demonstrations at forestry expos assuring fairs as one example of the simplicity of the particular product. During the 1980's this excellent hobby received increased attention after an exhibition on the Lumberjack World Championships, which has been broadcast through the United States. Today, many new artists use the chainsaw primarily being a pre-carving tool, and finished their sculpture with smaller power carving tools and sanders. This produces a sanded wood carving which typically has more detail compared to a bit of true "chainsaw art" made using only a chainsaw. Finished pieces tend to be admired and accustomed to accentuate museums, offices, homes and street corners across the nation.