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However, the heavy carat diamonds are certainly not easily approachable for average people. But you hold the privilege to enjoy hiphop look wearing light hiphop jewelry items. In fact, the designers produce a lot of the master pieces with small diamonds clustered together forming one big stone. These pieces cost less. 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. Ma Manasa Devi, for the snake goddess, is worshipped by Hindus, primarily the prevention and cure of snakebites and infectious sicknesses like smallpox and hen pox as effectively as the prosperity and fertility.She represents the each 'destruction' and 'regeneration', almost quite like a snake shedding its skin and being reborn. "In all practices with the Seventy-two Arts at first the essential theory is studied in support of then training is done. At first people that practice the arts train the softness of their sinews and bones and attempt to make agile each of their joints and articulations. Then they set into motion the key breath ZONG LI, strengthen the interior organs FU, improve blood state, consolidate body strength, control the cinnabar field while focusing energy inside, overcome their desires and. The strength spreads on the four extremities and the hundred joints and articulations, now a fighter is command of unlimited power and the man can move off a thousand jins. Your arm weighing only ten jins can move anything weighing 10,000 jins which has a stroke. Your arms certainly are a head, your legs can be a tail. Everything is permeated with a single movement, one's body moves being a dragon. Teachers said: “Shaolin exercises develop forces of the whole human organism, all joints and bones; you might be able to striking wonderful elements of your body. " There is yet another saying: “The fist may be the way to obtain all arts along with the leg is the base, the root in the fist. " Ordinary practice of pugilism is made up of seventy percent of leg training and thirty percent of fist training. If you acquire pugilism, you need to use eighteen kinds of weapon. If you make use of all ruses of pugilism, you are able to fight ten thousand fighters. " /Secret Shaolin Treatises around the Pugilistic Art/