cover -- the selection of 1d. letter sheets (7) comprising English and Scottish Law, Fire and Life Assurance and Loan Society (3, two being different), Caledonian Insurance Company, Edinburgh Life Assurance Company (2, different stereos), The Scottish Provident Institution, all used, usages with one redirected within Scotland and showing two different red Maltese Crosses, another with two strikes of the same black Cross (contrary to regulations), etc., fair to fine