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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. Another strategy to fitting a sizable building into your image is a panorama. Some newer cameras will automatically develop a panorama, either from one video pan or from a group of still images. Even if you do not have in-camera panorama capabilities, you are able to still use software to generate a composite image. The Photoshop plug-in Photomerge, as an example, will stitch together multiple frames in to a single image, provided there is enough overlap for the software to ascertain the best way to piece the frames together. You're not limited to side-to-side sequences of images, either. You can create vertical panoramas, and even stitch together whole grids of person frames to create one large image. To imagine a social world before photography, we would must imagine a world without picture IDs; without portraits of ordinary people; one without pictures as souvenirs of travel; one without celebrity pictures; one without advertising photographs; one without X-rays or views of outer space; some sort of without views of foreign and exotic peoples; one without pictures of sports, wars, and disasters; and one when the great masses of people had no approach to visually record giving her a very events of their lives. We all remember traditional animation, that was carried out with hand drawn art. A group of animators illustrated and colored the photos on celluloid. The celluloid was transparent sheets, the location where the hand drawings were transferred. Each of these "cells", as they were called, were then photographed individually using a super 8 or Oxford camera. Whew ! Lots of work? Well eventually, technology has allowed animators to make use of CGI or Computer Generated Imagery to change the "painful" frustrating work of the past.