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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. Wal-Mart has a very productive international human resource management and hence with the ability to monitor and control it's employees in countries aside from the United States of America. The success of Wal-Mart Company, as indicated by Wal-Mart Corporate (2011), is normally brought about by the facet of motivating and satisfying the international employees as a way to work hard inside the search for achieving organizational goals and objectives. Wal-Mart has evolved a culture and control systems that help in creating incentives for associates and managers so that you can enhance their performance and provide the most effective for that company. This company operates departmental and warehouse stores in numerous countries under different names. Additionally, the corporation fosters a culture that rewards and embraces diversity, integrity, and mutual respect (Wollam 2009). The design of the Saylor Beall Air Compressor is a big indicator of the quality and durability. Saylor-Beall products use materials selected specifically to give the following characteristics: long-lasting strength and warmth resistance. Exacting dimensions and precision tolerances cause a highly efficient air compressor design. State-of-the-art, computer controlled equipment perform machining operations with extreme accuracy. Also, modern quality control procedures continuously monitor the machining process.