fathers day art 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. Pay per Click Advertising or PPC is an Internet advertising system the location where the advertiser only pays for the Ad if the Ad is clicked on by an Internet user. In order to get the Ad to look around the search listings you must have the correct key phrases and appropriate copy. However, having it appear isn't enough. If the user then clicks around the Ad and lands on a website landing page that is not appropriate or relevant or perhaps is tough to navigate then you certainly lose a prospective customer so you cash. If you are searching for websites or sources on how to download free games to the PSP, then you'll not have to search any further. Instead of getting hooked or interested in websites that merely offer demo versions with the hottest games, choose those service providers that give more. Get full versions instantly and safely. Download safe content, whether it be games, wallpapers, movies, music, and more. Be aware that some websites are unsafe on account of malware, Trojans and spyware! It is always a good measure to ask around and look for sites with good reviews from satisfied customers and gamers.