moss center for the arts Perhaps, you already know someone who has recently lost employment and even worse a family member. It always will take time to overpower a number of the tough blows that life can through at you, but poems of encouragement may serve as an optimistic inspiration to carry on. Two of the favorite poems on encouragement include the Serenity Prayer as well as the 14th Dali Lama poem. Here's an illustration from each: Every organization faces a unique set of risks, a few of which are known although not necessarily quantified or understood, yet others that are hidden. Risk surveys really are a highly cost-effective approach to identify and quantify risks by gathering information, perceptions and insight from managers across an organization. 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.