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Thruster's marketers describe their product like a Personal Truth Verifier, completely different from its well known cousin, the polygraph. You know, which is the gritty real-world lie detector where sweaty guys in fedoras wire you up under bright lights. Trustier is far more high-tech and user-friendly. You plug your phone in to a simple little sensing oral appliance connect it in your computer. Then the software takes over. According to the owner's Links Of London Bracelets manual, it uses "an ingenious new algorithm to detect vocal stress" and identifies shades of truth. Lying, it seems like, produces subtle "micro tremors" of hysteria in one's vocal cords that normally go undetected but sometimes be grabbed by Trustier. With each sentence or a reaction to a question, it flashes a message: "Truth." "Inaccurate." "Slightly Inaccurate." "Subject Not Sure." "False." Little graphs and electronic squiggles chart your conversation like a form of psychic seismometer. 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. J.K Rowling's fantasy adventure series 'Harry Potter' has attracted readers worldwide as well as gained immense popularity, critical acclaim and commercial success since its first novel was launched on 30 June 1997. This article will introduce you five biggest selling books that could be the next 'Harry Potter'.