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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. The new architecture also means the pages on the content rich site now load in milliseconds, ensuring that potential customers visiting the site are engaged for long enough to register their interest. Rock 'n' roll music and photography simply come together with all the great visuals featuring musical instruments, large crowds and colorful theatrics. While there are tons of great rock 'n' roll photographers, one name simply stands out from the rest: Baron Wolman. This American photographer made his name big and synonymous to rock 'n' roll photography in the 1960s by contributing his great work of photography to the perennial rock 'n' roll magazine, Rolling Stone. Let us examine his life and his work.