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There are some traditional gateway games mentioned fairly often by those who make suggestions for board games for adults - and I think understandably so. Ticket to Ride and quite often Carcassonne are most frequently mentioned, and I agree that they can should be as I would also recommend them, particularly for adults that have not yet played anything remotely just like a Euro board game before. Yes, that's how these fun board games have earned the moniker of gateway games. Once people see how much fun these are generally, they tend to consider more enjoyable board games that they haven't played before. Citibank is among the leading banks worldwide. It is now about to expand its plastic card business to Asia Pacific area. There are surely threats in this market, but there's also excellent opportunities. In this article I will analyze the Citibank being a brand and will discuss possible solutions to the down sides that might appear in the brand new market. 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.