Music piracy used peer-to-peer networks to gather music files. The emergence of free streaming services has decreased the number of users who pirate music on the internet. Services such as Spotify and Pandora have easy-to-use interfaces and decrease the risk for computer viruses and spyware. In comparison to the illegal software used by older music piracy networks such as Napster or Limewire, current music streaming services such as Spotify and Rdio offer cheap yet legal access to copyrighted music by paying the rights holders through money made off of payments made by premium users and through advertisements Music piracy Music piracy is
Lloyds Bank Corporate Markets separated from their colleagues and placed in a "glass box" to comply with rules. Fitch Ratings has assigned Lloyds Bank Corporate Markets and Lloyds Bank International expected Long-Term Issuer Default Ratings of 'A(EXP)'. Lloyds Bank Corporate Markets Lloyds Bank Corporate Markets is the non "ring-fenced" arm of Lloyds Banking Group. It was created in 2017, to comply with the Financial Services (Banking Reform) Act 2013. The Act implements the Independent Commission on Banking recommendation that essential banking services are separated from investment banking activities by 2019. As the Group is now primarily focussed on UK retail and commercial banking with