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(Click for frequent words.) 71 insurer Equitable Life 67 Equitable Life policyholders 65 Equitable policyholders 64 Equitable 62 mis selling 61 Lord Penrose 61 Parliamentary Ombudsman 61 chairman Vanni Treves 61 Northern Rock 60 Equitable Life debacle 60 Vanni Treves 59 Scottish Widows 59 FSCS 58 Keydata 58 profits annuitants 57 occupational pensions 57 Barlow Clowes 56 PPI mis 56 life assurers 56 pension schemes 56 CGNU 56 HBOS 56 life assurer 56 Farepak collapse 55 misselling 55 Royal Liver 55 Farepak 55 Chris Headdon 54 Myners 54 Landsbanki Guernsey 54 GARs 54 Friends Provident 54 Pension Regulator 54 Lloyds 53 Potters Bar rail 53 Scottish Equitable 53 Emag 53 HBoS 52 FSCS levy 52 Railtrack 52 PMS savers 52 Scottish Amicable 52 assurer 52 Nick Prettejohn 52 Pensions Regulator 52 Keydata Investment 52 IFAs 52 Liz Kwantes 52 Ms Spottiswoode 52 Chris Wiscarson 51 Compensation Scheme 51 FSA 51 HIH collapse 51 occupational pension 51 mutuals 50 Chairman Vanni Treves 50 Life assurers 50 Sandy Crombie 50 Fedsure 50 NAPF 50 Mr Sants 50 Pensions Ombudsman 50 endowment mis 50 Pensions 50 KSF IoM 50 Towry Law 50 NHSLA 50 HM Treasury 50 Barings 49 Pension Funds Adjudicator 49 cash Isas 49 British Insurers ABI 49 James Hardie asbestos 49 Fund PPF 49 assurers 49 Jonathan Bloomer 49 Clerical Medical 49 Derek Higgs 49 Solicitors Disciplinary Tribunal 49 £ 8bn 49 pleural plaques sufferers 49 Royal Mail 49 Wintertons 49 LGPS 49 Friends Prov 49 Holyrood fiasco 49 missold 48 Cattles 48 Lloyds Banking 48 STANDARD Life 48 Sir Derek Wanless 48 Keith Skeoch 48 HMRC 48 Iain Lumsden 48 demutualization 48 Sipps 48 Christine Farnish 48 chancellor Alistair Darling 48 pleural plaques 48 Masterbond 48 £ #bn [002] 48 Pru 48 HBOS Lloyds 48 TransTec 48 expert Ros Altmann 48 unauthorized overdraft charges 47 Service FOS 47 Lloyds TSB 47 Compensation Scheme FSCS 47 Parliamentary Ombudsman Ann 47 Clare Spottiswoode 47 Paul Myners 47 Barings Bank 47 AADB 47 Ofgem 47 Lloyds HBOS 47 Walter Merricks 47 pensions 47 Actuarial Profession 47 chairman Gavyn Davies 47 Heritable 47 Scottish Provident 47 Arch Cru 47 Axa 47 sleaze watchdog 47 Lord Hutton 47 CLICO 47 Lord Myners 47 insurer HIH 47 Hbos 47 AIBIM 47 Network Rail 47 maladministration 47 Buncefield oil 47 quango 47 pubco 47 Lehmans 47 Aegon 47 Kaupthing Singer 46 annuitisation 46 Lord Falconer 46 Julie Kirkbride 46 plcs 46 Gilodi Johnson 46 MoD 46 Rowan Dartington 46 Lloyds Banking Group 46 DB Mortgages 46 Serious Fraud Office 46 LloydsTSB 46 Punter Southall 46 Fincorp 46 £ #billion [001] 46 FRS# 46 insurer Britannic 46 Ron Sandler 46 Farepak savers 46 Farepak fiasco 46 Patricia Hewitt 46 & Bingley 46 Derek Wanless 46 Steve Bundred 46 consolidator Resolution 46 Railpen Investments 46 Pensions DWP 46 £ #bn [001] 46 Insurer Friends Provident 46 Standard Life SL.L 46 NHS 46 LandSecs 46 Mattioli Woods 46 Aviva 46 BAICO 45 Headdon 45 Mid Staffs 45 NORTHERN ROCK 45 UKFI 45 Mid Staffordshire 45 Personal Accounts 45 Icas 45 Richard Eagling 45 Adrian Montague 45 Joseph Rowntree Charitable Trust 45 Bromley Hospitals NHS 45 Bramdean 45 actuarial profession 45 mutualisation 45 Rathbones 45 SIPPs 45 Joanne Segars 45 Cartel Client 45 Weavering 45 Ofwat 45 Friends Provident PLC 45 Dr Ros Altmann 45 anti sleaze watchdog 45 Sats fiasco 45 Ros Altmann 45 £ 4bn 45 FTSE# [002] 45 RBS Lloyds 45 stakeholder pensions 45 Capita 45 NPSS 45 Adam Applegarth 45 Erinaceous 45 LifeSearch 45 Authority FSA 45 Wrapit 45 prudential regulator 45 Chancellor Alistair Darling 45 Lifemark 45 OFMDFM 45 Wm Morrison 45 HBOS HBOS.L 45 Camidoc 45 Occupational Pensions Regulatory Authority 45 carmaker MG Rover 45 £ 9billion 45 Heritable Bank 45 BoSI 44 Amvescap 44 MG Rover 44 minister Lord Myners 44 Nirex 44 OneTel 44 RCHT 44 policyholders 44 Postcomm 44 STANDARD LIFE 44 NatWest 44 IAS# [002] 44 Financial Investments UKFI 44 Tim Breedon 44 Witan 44 Eureko 44 Lord Levene 44 Pension Funds NAPF 44 Countrywide Assured 44 £ 1bn 44 Peter Montagnon 44 Ned Cazalet 44 Metronet 44 Britannic 44 Allders 44 Stephen Haddrill 44 quango cull 44 Sonray 44 Thinc Destini 44 Thalidomide Trust 44 BNFL 44 Severn Trent 44 FSCP 44 FP.L Quote Profile Research 44 Alex Brummer 44 reattribution 44 Hugh Osmond Pearl 44 Prudential PRU.L 44 Clico 44 FRRP 44 Lloyds LLOY.L 44 OFT 44 Hypo Real 44 IFSRA 44 lord chancellor 44 MPPI 44 £ 5bn 44 Alan Lakey 44 ringfence 44 HIH Insurance 44 PFI schemes 44 CGNU Life 44 Phil Hodkinson 44 savers 44 subprime lender Cattles 44 Isas 44 Northern Rock NRK.L 44 golden goodbyes 44 chairman Lord Levene 44 Mapeley 44 Ms Horlick 44 pubcos 44 Rowanmoor Pensions 44 Buncefield 44 chairman Gerry Grimstone 44 Shirley McKie 44 Profumo affair 44 Invocas 44 BT Pension Scheme 44 Farepak hamper 44 £ #.#billion [001] 44 NFU Mutual 44 Otto Thoresen 44 Friedlander KSF 44 demutualising 44 Baroness Noakes 44 Postwatch 44 NHS dentistry 44 £ #billion [002] 43 Friends Provident FP.L 43 Kieran Poynter 43 Citizens Advice 43 FDs 43 Lifesearch 43 Leeds Supertram 43 Miss Blears 43 ALLIED Irish 43 £ 2bn 43 £ 5billion 43 James Hardie 43 Barnett Waddingham 43 2plan 43 Occupational Pensions 43 BT 43 Rowanmoor 43 insurer Friends Provident 43 DMGT 43 Keith Satchell 43 NHRKF 43 Skipton Building Society 43 £ 3bn 43 Alistair Darling 43 Elwa 43 HSBC Actuaries 43 regulator Ofwat 43 Thames Water 43 Cllr Storey 43 Accuma 43 demutualize 43 £ 4billion 43 secretary Andrew Lansley 43 Lord Lipsey 43 demutualisations 43 Iain Duncan Smith 43 LLOYDS Banking Group 43 Eames Bradley 43 quangos 43 Farepak Response Fund 43 PPF levy 43 Sir Sandy Crombie 43 Hector Sants 43 Clive Briault 43 Friedlander Isle 43 Gerry Grimstone 43 HBOS PLC HBOS.LN 43 insurer Prudential PRU.L 43 Huljich Wealth Management 43 FP.L 43 City grandee Sir 43 Friends Provident plc 43 iSoft 43 HIH 43 Sir Martin Jacomb 43 Lehman Bros 43 Blake Lapthorn 43 peerages 43 Mr Elderfield 43 insurer Aviva AV.L 43 Equalities 43 CULAC 43 Insurer Aviva 43 £ #.#bn [003] 43 Isa savers 43 EHRC 43 Tory frontbench 43 Aviva AV.L 43 UKAEA 43 Energywatch 43 Building Societies 43 Dairy Crest 43 gilts 43 Telent 43 Iceland Kaupthing 43 GMAC RFC 43 Pre Budget 43 Speaker Bercow 43 equalities watchdog 43 Bill Prasifka 43 Alain Dromer 43 Schroders PLC 43 Apcims 43 George Osborne 43 Miles Brignall 43 Anglo Irish 43 accountancy firms 43 Kaupthing Singer & 43 Pension Scheme 43 Hymans Robertson 43 Mrs McTear 43 Centrica 43 Lib Dems 43 £ #.#bn [006] 43 & Pensions Moneyfacts 43 Omagh bomb 43 housebuilding 43 Baroness Hollis 43 Mr Dromey 43 Sir Gus O'Donnell 43 £ 8billion 43 Peter Montagnon director 43 BELB 42 Towergate 42 ISAs 42 ICAEW 42 Ombudsman Anne Seex 42 annuitants 42 LGIM 42 Fred Goodwin 42 pensioners 42 housebuilder Barratt Developments 42 Mr Middleweek 42 AIRMIC 42 Middleweek 42 HM Revenue & 42 Sir Iain Vallance 42 Litigation Authority NHSLA 42 Stenham 42 Chancellor Alastair Darling 42 Rosenblatt Solicitors 42 Langbar International 42 PFI 42 Imperial Tobacco 42 Policyholder Advocate 42 Openwork 42 ConDem coalition 42 professional indemnity 42 Ecchinswell 42 Tory sleaze 42 Xafinity 42 CTFs 42 Westpoint 42 advisers IFAs 42 IFAonline 42 triennial valuation 42 minister James Plaskitt 42 Xafinity Paymaster 42 FairPensions 42 Railways Pension Scheme 42 NuLab 42 KLegal 42 Lehman minibonds 42 Britannic Assurance 42 Lord Browne 42 Sesame Bankhall 42 Insolvency practitioners 42 Stephanie Villalba 42 RBSI 42 ConDem 42 Baroness Vadera 42 SVG Capital 42 Accountancy Age 42 Actuarial Discipline Board 42 MoJ 42 Hichens Harrison 42 Loretta Minghella 42 GBP #bln [001] 42 Victoria Climbié 42 Minibond 42 Donal O'Connor 42 bancassurer 42 Equitable Members 42 Paymaster General 42 2plan Wealth Management 42 CEHR 42 Haringey LBC 42 NewSmith 42 Stead McAlpin 42 ScottishPower 42 Investments SLI 42 BANKING giant 42 SCOTTISH Widows 42 Law Lords 42 FRIENDS PROVIDENT 42 Tony Hobman 42 Joanne Segars chief 42 Margaret Hodge 42 Torquil Clark 42 Lord Sassoon 42 Ros Altman 42 Hector Sants FSA 42 Close Brothers 42 Exchequer 42 Mr Hain 42 £ 7bn 42 Equitable Life Payments 42 Lord Laming 42 bonus supertax 42 QCDA 42 NEDs 42 £ #.#m overspend 42 Dyoll Insurance Company 42 NHS Grampian 42 Firstplus 42 regulator Ofgem 42 Cazalet Consulting 42 Gus O'Donnell 42 Pensions Regulator TPR 42 RBS 42 Andrew Mohl 42 HSBC Insurance Brokers 42 vanmaker LDV 42 Kaupthing 42 PRSAs 42 Harriet Harman 42 Langbar 42 Baronsmead 42 Mr Djanogly 42 Mr Lansley 42 £ #.#billion [002] 42 Mervyn Pedelty 42 Swiss Re RUKN.VX 42 Countrywide Mozilo 42 Capita Hartshead 42 Ucis 42 Mishcon de Reya 42 National Bullying Helpline 42 FCPT 42 analyst Ned Cazalet 42 Martin Vander Weyer 42 Edinburgh trams 42 SimplyBiz 42 advocate Clare Spottiswoode 42 Amaranth hedge fund 42 Railtrack Plc 42 Glenrand 42 Don Touhig 42 Igal Mayer 42 Hutton inquiry 41 MVRs 41 Nichola Pease 41 Baroness Usha Prashar 41 GESB 41 Deepcut 41 £ 9bn 41 Armed Forces Compensation Scheme 41 Ulips 41 Employment Tribunals 41 Richard Pym 41 Ofqual 41 Commons sleaze watchdog 41 Oeics 41 EPFO 41 TfL 41 sickness absence 41 compulsory annuitisation 41 rogue trader Nick Leeson 41 Sir Kenneth Calman 41 Paymentshield 41 Holyrood 41 Nathans Finance 41 mutualised 41 Con Dem 41 Stonebanks 41 Punch Taverns 41 Nic Nicandrou 41 subsidiary Heritable 41 Comprehensive Spending Review 41 Steve Folkard 41 Old Mutual 41 remutualisation 41 Lord Bonomy 41 Tory grandee 41 AIG 41 superannuation 41 boss Luqman Arnold 41 Mike Kellard 41 gilt yields 41 Ssas 41 NHS trusts 41 Francis Maude 41 One.Tel s 41 Rantzen 41 Mischon de Reya 41 Andy Hornby 41 CIPFA 41 NCVO 41 Val Gooding 41 exchequer Alistair Darling 41 Marlborough Stirling 41 Remploy 41 Williams de Broë 41 Ann Godbehere 41 BDO Stoy Hayward 41 Foxtons 41 Cofunds 41 Pension Funds 41 Solicitors Regulation Authority 41 Gordon Brown 41 annuity 41 unauthorized overdraft fees 41 Modernising Medical Careers 41 Eron Mortgage Corp. 41 One.Tel 41 Liontrust Asset Management 41 ITV 41 Ms Hellicar 41 Andy Haste 41 Bluebay Asset Management 41 Blunkett 41 IceSave 41 NAO 41 Rail Regulation ORR 41 Tube Lines 41 Hambros 41 Meredith Hellicar 41 energywatch 41 ISIS Asset Management 41 Source Keoghs 41 sub postmasters 41 Ms Jowell 41 IASB 41 TPAS 41 Merseytram 41 SFr#.#bn [003] 41 edeus 41 George Mudie 41 Birmingham Midshires 41 Prudential PRU 41 VAT PAYE 41 Peston 41 subpostmasters 41 Association IMLA 41 Pension 41 Sheila Nicoll 41 Exchequer Alastair Darling 41 Whitehall mandarins 41 Nicola Horlick 41 AVCs 41 IR# [003] 41 Shipman Inquiry 41 Gurkha veterans 41 Xchanging 41 Alistair Darling chancellor 41 nationalized lender 41 Hefce 41 Financial Regulator 41 Secretary Andrew Lansley 41 boardroom clearout 41 LV = 41 TalkTalk 41 lender Cattles 41 Thompsons Solicitors 41 Bentley Jennison 41 Landsbanki Icesave 41 Shadow Chancellor 41 BoE 41 Peter Hain 41 Sharesave 41 predecessor Railtrack 41 Mishcon 41 reinsurer Swiss Re 41 Helphire 41 Powys LHB 41 IKB 41 Adam Crozier 41 Dumbarton MSP 41 David Kenmir 41 DAVID BLUNKETT 41 OBSI 41 RBS NatWest 41 SCVO 41 Ageas 41 Patience Wheatcroft 41 Miss Jowell 41 Adair Turner 41 Exchequer Darling 41 Nigel Peaple 41 Medicash 41 Insolvency Service 41 Aviva Plc AV.L 41 Sea Containers 41 Equitas 41 Cafcass 41 FINANCIAL SERVICES AUTHORITY 41 thalidomiders 41 MGM Advantage 41 Threadneedle Street 41 Shonaig Macpherson 41 £ 6bn 41 Edmund Truell 41 FTfm 41 Ngalwana 41 nationalized Anglo Irish 41 Bankhall 41 Acevo 41 Rural Payments 41 Moneysupermarket 40 HM Revenue 40 Qrops 40 Nils Pratley 40 Ms Spelman 40 Anglian Water 40 NatWest bankers 40 CLICO policyholders 40 British Bankers Association 40 Nick Raynsford 40 Janet Paraskeva 40 Patrick Snowball 40 LTSB 40 construction union Ucatt 40 Svengate 40 Soc Gen 40 Garda Fraud Squad 40 Harry Potter publisher Bloomsbury 40 prudential regulation 40 ECGD 40 Isoft 40 Mr Ruffley 40 Cambridgeshire Primary Care 40 Polly Peck empire 40 Investments NS 40 LLOYDS 40 Mahon tribunal 40 Ulster Unionist Party 40 Tony Blair 40 BBPA 40 Mr Clappison 40 SDCERS 40 Bramdean Asset Management 40 Exchequer Alistair Darling 40 telecoms watchdog Ofcom 40 Innovation Universities 40 Briault 40 Moneysupermarket.com 40 MP Mark Oaten 40 chairwoman Meredith Hellicar 40 Oftel 40 Financial Advisers Aifa 40 Haymills 40 CHANCELLOR Alistair Darling 40 Government Actuary 40 Leas Cross 40 Arch cru 40 Lord Woolf 40 housebuilders 40 Clarke Willmott 40 Dame Suzi 40 CAFCASS 40 Clive Bannister 40 Mr Blunkett 40 Sheffield Brightside MP 40 Soham murders 40 proc fees 40 Lord Heseltine 40 Invista Real Estate 40 broker Benfield 40 Goshawk Insurance 40 BSkyB 40 NHS Argyll 40 Mr Horta Osório 40 CIPD 40 Targetfollow 40 Incapacity Benefit 40 TheCityUK 40 Ms Farnish 40 Bancassurer Irish Life 40 Mr Burstow 40 Charcol 40 DWP 40 BVCA 40 Tim Loughton 40 Sir Stelios 40 Pramuka Bank 40 Skandia Liv 40 Ofcom 40 FIM Advisers 40 Vuyani Ngalwana 40 Lloyds TSB HBOS 40 Subpostmasters 40 Haddon Cave 40 INBS 40 Halliwells 40 Bertha McDougall 40 Corpcapital 40 Saville Inquiry 40 £ 7billion 40 uSwitch 40 Debtmatters 40 Thinc 40 insurer Aviva 40 DfES 40 Lady Royall 40 Dame Suzi Leather 40 Glenrand MIB 40 Andreas Whittam Smith 40 Dunlop Haywards 40 Alfred McAlpine 40 Pubco 40 Tatton MP 40 PCTs 40 minister Francis Maude 40 Poyntz Wright 40 ConDems 40 Pounds #bn [001] 40 Amyas Morse 40 Housebuilders 40 Small Businesses FSB 40 DDDA 40 Lib Dems Vince Cable 40 Peter Shafron 40 minibond 40 Oxera 40 Schroders 40 TUPE 40 Lord Mandelson 40 Luqman Arnold 40 Prudential Plc 40 Rick Haythornthwaite 40 Highclere Financial 40 peerages affair 40 watchdog Ofgem 40 Grayrigg 40 Tony McNulty 40 Banking ICB 40 Actuarial Standards 40 Witan Investment Trust 40 interdealer broker Tullett Prebon 40 Icesave 40 Bridget Prentice 40 Ross Goobey 40 Liontrust 40 Carlos Tevez affair 40 Jon Moulton 40 Ulip 40 Dawnay Day 40 Sellafield 40 Candover Investments 40 demutualized 40 William Rees Mogg 40 GlobalExpense 40 LAPFF 40 Cordiant 40 Cash ISAs 40 Diligenta 40 Mrs Spelman 40 GBP#bn [001] 40 Nyaga Stockbrokers 40 Jodee Rich 40 Alain Grisay 40 RBSG 40 Moneynet.co.uk 40 Organisation EPFO 40 mesothelioma sufferers 40 clawback 40 FINEOS Claims 40 & General LGEN.L 40 BZW 40 Begbies 40 Andrew Lansley 40 m'learned friends 40 Lord Rees Mogg 40 Hutton Inquiry 40 confiscatory penalties 40 £ #.#bn [001] 40 Ottakar 40 Towergate Financial 40 Dame Janet 40 RBOS 40 DFOB 40 SocGen 40 LON LLOY 40 Delivery Authority PADA 40 accountancy profession 40 WH Smith 40 Wire ASW 40 Claimar 40 SwFr#.# billion 40 Lord Deedes 40 Leaderguard 40 NPRF 40 RSM Tenon 40 Pibs 40 James Middleweek 40 auditor Price Waterhouse 40 SubPostmasters 40 Sleaze watchdog 40 Aviva plc 40 Mrs Cannings 40 Lord Saville 40 standard FRS# 40 ULIPs 40 lifestyling 40 Satyam scam 40 Sharon Shoesmith 40 depolarisation 40 Mr Shapps 40 Clywch 40 Stephen Hester 40 energy regulator Ofgem 40 Labour backbench MP 40 Hugh Osmond 40 advisors IFAs 40 Lucas Fettes 40 MRCF 40 Miles Templeman 40 Friends Provident FP.L Quote 40 Lord Strathclyde 40 Synesis Life 40 Chesnara 40 superbug outbreak 40 IMLA 40 Dounreay 40 PRUDENTIAL 40 A2O 40 £ 1billion 40 Opra 40 Mr Briault 40 Adrian Boulding 40 Caroline Spelman 39 prime minister Geir Haarde 39 N.Rock 39 IoD 39 Kip Meek 39 Press Complaints 39 Pleural Plaques 39 Lord Filkin 39 Ms Harman 39 Bernard Madoff scandal 39 HHG Plc 39 Iain Coucher 39 financier Bernard Madoff 39 £ #m [001] 39 Chancellor Alastair 39 Aviva LON AV 39 Roman Cizdyn 39 George Mathewson 39 Chief Executive Sandy Crombie 39 Housebuilder Taylor Wimpey 39 stockbroker Opes Prime 39 Lucy McTernan 39 Stefan Lippe 39 Hargreaves Lansdown 39 lender Opes Prime 39 Kleinwort Benson 39 lender HBOS 39 spokesman Shane O'Riordain 39 Donoughue 39 advisers Hargreaves Lansdown 39 MJ Gleeson 39 housebuilder Crest Nicholson 39 Abta 39 ALISTAIR Darling 39 Robert Peston 39 Insurer Prudential 39 Mrs Shoesmith 39 XL Leisure Group 39 Jelf Group 39 Somerfield supermarket chain 39 LibDems 39 quangoes 39 Mishcons 39 Bernard Madoff ponzi scheme 39 Welwyn Hatfield MP 39 Britannia Building 39 NHS Lanarkshire 39 Kaupthing Edge 39 policyholder 39 Kwik Save 39 Dyoll Insurance 39 Cicutto 39 ANGLO Irish 39 Pluthero 39 £ 3billion 39 Incapacity benefit 39 Pennine Acute 39 Justice Foskett 39 Saambou 39 Sainsbury 39 PPF 39 Prudential PLC PRU.LN 39 Land Secs 39 Galiform 39 Greg Dyke 39 £ 2billion 39 Mrs Charman 39 Dr Mattu 39 unauthorized overdrafts 39 GBP#.#B [002] 39 Victor Blank 39 Keoghs LLP 39 £ 6billion 39 Kensington Mortgages 39 Mr McLetchie 39 ISoft 39 Luther Pendragon 39 Glas Cymru 39 adviser Towry Law 39 Harambee Sacco 39 IPE.com UK 39 AXA PPP 39 Axa AXA 39 UKpound 39 Age Concern 39 Ian El Mokadem 39 Telewest 39 Weavering Capital 39 Margaret McTear 39 Harold Shipman 39 annuities