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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. Themes would be the very best opportinity for a nightclub to build up their unique brand. By using unique lounge design it lets for prospects to be aware of whom you are by placing an imprint within their minds. It is the same as building a brand for a corporation. The nightclub can be a place that this prospects are going to invest adequate in time and you should develop a wonderful atmosphere. Shape: it is a depiction of your object or possibly a concept being a variety of lines and dots. There are two size of shape: length and width. It is illustrated within an area that is indicated by poles apart tangents like Space, Color, Form, Value and Texture. Shapes are outlined when multiple lines are associated with an obvious border. They can be squares, ovals or some other type of geometrical figure. Rock Band is a group of music video gaming developed by Harmonix Music Systems and MTV Games, and provided by Electronic Arts to the Nintendo DS, iPhone, PlayStation 2, PlayStation 3, PSP, Wii, and Xbox 360 game systems. The series, inspired by Harmonix's previous efforts on the Guitar Hero series, allows around four players to simulate the performance of popular rock music songs by messing around with controllers modeled after musical instruments. Players can start to play the lead guitar, bass guitar, and drums parts to songs, as well as sing in a USB microphone. Players are scored on his or her capacity to match scrolling musical notes while playing instruments, by their capacity to match the singer's pitch on vocals. The new architecture also means the pages on the content rich site now load in milliseconds, ensuring that potential customers visiting the site are engaged for long enough to register their interest.