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The UK glass industry is pursuing an active programme on energy efficiency and decarbonisation. But building the business case to secure funds remains a barrier. Capital costs can be very high and paybacks periods are often in excess of two years; traditional loans are usually unattractive for this work. 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. Unified communications has the ability to combine communications produced in the real-time like instant messaging, video chat and also, voice calls with non real-time correspondence solutions like Sms, fax and e-mail. This preserves space within the company computers because they need not install distinct modes of correspondence. Additionally, much time is often squandered in office buildings endeavoring to talk with people which can be unavailable. Using this sort of correspondence system, it is possible to see just who is free of charge to get hold of at any moment, making it an easy task to obtain individuals that are available and time isn't sacrificed attempting to contact individuals that happen to be unavailable. When individuals can be purchased, a real-time technique of communication will probably be best. For those that are certainly not available a non real-time method like e-mail will save in time the future. The main motive for restumping of a home is togive safety against floods. Home owners are encouraged to raise their houses bythe administration so as to remain secure during such disasters. Particularlythe cost of house restumping ishigh since it involves enforce the foundation & raising it well above theground. Read More:  Carpenters, masons, bricklayers, other workers and also ordinary people that do not have any knowledge on carpentry are adding this compact laser leveler inside their toolkit. This is since Bosch Quigo is not hard to handle without any complications and reliable since it is 100% straight as a result of horizontal and vertical laser reference lines it projects.