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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. It was, supposedly, the ideal existence. The nuclear family lived in comfort. The patriarch a good job to provide for his family as well as the loving wife stayed in your own home to raise the children. The children grew up inside a world that's quickly shrinking. Radio and television were becoming permanent fixtures in every home. This technology introduced the Baby Boomers on the music in the 60s. Some in the big names in early 60s music all left one recording studio, the Sun Record Company, based out of Memphis, Tennessee. Artists like Elvis Presley, Jerry Lee Lewis and Roy Orbison all got their start on the Sun Record Company. Many of them followed the strategy designed by Presley. His music would be a mixture of gospel, blues and hillbilly music. B.B. King, who's probably the greatest blues musician of all time, knew of Presley well before he became famous. Presley combined blues, gospel, and hillbilly music to help develop a new form of music ... Rock and Roll. J.K Rowling's fantasy adventure series 'Harry Potter' has attracted readers across the world 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 best selling books that could be the next 'Harry Potter'. If you own one of many low-fat air fryers, much like the Tefal or Philips model, you might be searching for airfryer recipes to extend your repertoire from merely chips! Despite the fact that most people are planning to buy an air fryer to generate chips without gaining the pounds, and for health reasons need to be with a low fat diet, these fryers can make other things. Exactly what which is rather is dependent upon the model which you own. A hookah (uqqa, which in Arabic means small box, jar or jug), shisha (Shishe in Persian meaning glass), or narguile (in Persian n?rgil meaning coconut), is a traditional smoking hookah, also called hookah or kalian. It is often a pipe containing water rolling around in its base, a suction tube, the aroma container which can be covered with aluminum foil, an together with which can be placed the components of coal. It is used mainly in North Africa, from Morocco to Egypt.