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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. It is no wonder therefore any time looking at quizzes, music trivia questions are popular with both contestants and question setters. Quizzes in pubs along the land and on television game shows invariably include music trivia questions. With such a wide subject it really is pot luck that you just stand a chance to getting the solution. If it’s your chosen band, a favourite style, a favorite musical decade or else you spend hours paying attention to the radio, you’re definitely inside a better position to reply to correctly.