art bell stream The combining of the two addictions is because of alcohol and nicotine's differing affects on our nervous system. Alcohol, probably the best anti-anxiety medication ever discovered, is a depressant. Nicotine, it turns out, is a really good antidepressant. Eureka! We can ease our anxieties with alcohol and cancel out the depression with nicotine! And that's exactly what many drinkers do. Practiced users can meter their moods with pinpoint accuracy since they alternate sips and smokes throughout the afternoon and evening. Bringcleaner I was within my daughter's school this afternoon, helping without the pain . organization of the forthcoming fair. We had been trying to hang the streamers in seemingly unreachable places , contorting our body and our minds. I could not figure out methods for getting those streamers up around the tree branches without using little monkeys to achieve for us. Buddy.let's call her Sue had a good quality idea. She started tying the rope to a thick tape role and hauling it over trees and I used at the opposite end to catch the role and viola we were treated to the tree caught. 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.