art of negotiation The woodwind section will glare with the drummers. The brass section sticks their noses in the air at them. And then they emerge around the field some day minus the drum line and guess what? No one can march to the life of them. No one can keep their steps. Lines are squiggling back and forth. Formations which were once crisp and defined are actually sluggish and bloated looking. That perfectly formed capital 'O' this guitar rock band worked so difficult on last week now resembles a half-hearted 'U'. What is wrong with everybody? 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 that when it comes to quizzes, music trivia questions are liked by both contestants and question setters. Quizzes in pubs around the land and on television game shows invariably include music trivia questions. With such an extensive subject it's pot luck which you stand an opportunity to getting the answer. If it’s your preferred band, a favorite style, a favourite musical decade otherwise you spend hours hearing radio stations, you’re definitely in a better position to respond to correctly.