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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. There is a clean, abundant, carbon-free kind of energy available all across Australia; the sun. Technologies to harvest sunshine?s energy can be used to reduce payments beneath the new carbon tax in Australia. Solar warm water is the method utilizing technology to transfer the warmth from sunlight into trouble for use in many different purposes. Domestic trouble use, including domestic hot water for cooking, bathing, and cleaning is definitely an effective using solar hot water. Homes, apartment complexes and also other residences may benefit from reducing their fees under the new carbon tax in Australia. Through absorption chiller technology in place, solar warm water can be used air cooling and cooling. Given Australia?s climate, there's a tremendous amount of carbon pollution out of this task alone. Ms Stephens continues: “The new extension has provided a fantastic and really flexible space that thanks to the new PURe® patio doors and windows, can be enjoyed whatever the weather. It’s great to be able to open up the living space and enjoy the close access we now have to the garden but even when the blustery weather that we are so familiar with here in the Yorkshire Dales takes hold, the glazing has provided us with a peaceful and cosy retreat. It’s the perfect space for both work and relaxation and I couldn’t be happier!”