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Today, enormous food franchise for sale is available in the market. It is observed that over the past few years, the tendency of Indians living in tier1 and tier2cities have been changed a lot. With changing lifestyle and eating habit, food and beverage industry has dominated the market and mesmerized each and every section of society. Especially children and young people are fond of eating fast foods such as Pizza’s, burgers, etc. Traditional Indian dishes are being replaced by these yummy and delicious cuisines. On the other hand, the industry has also employed near about 10 million people in the areas of food processing and food servicing in all over the world. I've long made a joke that credit cards are evil. But that's far from the truth. When a person who is responsible using money runs on the plastic card responsibly, credit cards are not evil whatsoever. Try leasing a car or creating a hotel reservation with no charge card. Credit cards offer a degree of protection whenever you make purchases. For instance, if you buy something online, and you are unhappy by it, or it's rarely sent to you, you will find the choice of disputing the charges in your credit card. It can shield you from lots of the possible risks of purchasing something from a mysterious company. 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. Not all style schools are similar. But with having said that, patterns are generally followed with an element of tradition. Both Karate and Taekwondo focus heavily on training and enforcing technique. These movements are rapid and hard. To perform them you are likely to be activating the explosive fast twitch 2-B fibers. These fibers have a lot of potential for growth if stimulated properly.