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R&B music is huge and in all probability the most used of all music categories. Some would point out that is simply because it covers countless sub kinds of music. But, true music lovers will say it is simply because R&B captures people?s minds and bodies a lot more than every other music. Rhythm and blues speaks to people over some other music as it becomes part of the soul. Few people can tune in to an R&B tune without clapping or singing along or breaking into dance. It affects everyone and if it doesn?t, you?re not breathing! 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. When it comes to learning the federal laws surrounding Medicaid there are numerous provisions that are made to protect the applicant's spouse. Many are unknown and so couples fail to make the most of them. Without knowing these provisions couples can lose over thousands of dollars unnecessarily putting themselves into poverty to be able to buy their spouses elderly care care. In this installment we're going to discuss the mistakes to avoid with Medicaid and assisted living facilities. Film genres are classifications of films according to their themes, styles, characterizations, techniques, and settings. Films with noticeable patterns according to those characteristics are classified together of these classifications. There are major film genres that are popular and well-known while you will find others which are not as familiar for the general viewing public. Here is a collected description of film genres to the major ones. We'll go through this film genres list in alphabetical order.