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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. Enlisting the help of aGoogle AdWords management companywill offer you comfort that your account is at safe hands and it is being checked and maintained regularly. Your PPC advertising company will keep talking to you frequently and give back monthly reports to let you know how your campaigns are already performing. This will enable you to concentrate on other important areas within your business including creating services, writing new content and networking. This innovative, hexagonal shaped bottle has been designed for experimental super premium whiskey. These extra white flint glass bottles have been manufactured by Allied Glass.