the art of skinner The individuals along with the organisations varies from musicians to musical instruments manufacturer; producers to publishers etc. The career prospective within the music world is simply too bright, because it covers people of just about all cultures. One can choose the music related jobs like, studios, engineers, retail and online music stores, performance right organisations, freelance writer, road manager, concert producer, television music editors, deejay. It also includes the dog pros who assist musicians like talent managers, business managers. The term 'claymation', trademarked 1978 by Will Vinton, is a mix of what 'clay' and 'animation'. However, and before 'claymation' was even termed, clay animation has been in existence as long as early film era during early 1900's. Clay animation is a type of stop motion animation, a moment consuming process where the subject is moved, then shot, and also the process is repeated, one frame at a period. 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.