art of listening 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. Two bears with cheerful spirits, Yogi Bear and Boo Boo are also the most effective duos coming from all times. They first appeared in 1958 and 36 months later earned their very own cartoon series. Yogi is smarter than all bears, but also, he carries a very joyful soul which brings happiness to the watchers. However, Boo Boo will be the the one that always save them from your many troubles they encounter. Living in the fictional Jellystone Park, Yogi Bear & Boo Boo is extremely recognizable cartoon duo. Martin Nettleton adds: “We invested in the campaign to target those larger installation and distribution companies increasingly dissatisfied with the big fabricators who are starting to compete with them by setting up their own networks of trade counters and distribution outlets.