sword art online review 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. The proper strategy of balance climbing requires the following: v Eyes. As a climber, you must observe the entire route selected to climb. Use your eyes to climb the pitch. You should identify handholds and footholds, possible belay positions, alternate routes, rest spots, along with a route for down climbing or descending. You must takes place eyes continuously to find subsequent handholds and footholds, and rest positions. As well as to continue planning and revision with the route. v Body Position. As you move and climb, your system has to be in balance; that is, your weight should be centred over you. Use your hands mainly for balance, and you weight with your legs.