The surname of LLOYD was a baptismal name 'the son of Loyd' an ancient Welsh personal name. The name in Welsh is ILWYD. Early records mention Richard Loyt, 1327, County Surrey, and Ithel Lloit was recorded in Wales in 1391. Jenkin Lloyde of Oxford, registered at Oxford University in 1577. Richard Lloyd of Chester, was listed in the Wills at Chester in 1559. Robert Lloyd of Wales, was documented in the year 1610. In many parts of central and western Europe, hereditary surnames began to become fixed at around the 12th century, and have developed and changed slowly over the years. As society became more complex, and such matters as the management of tenure, and in particular the collection of taxes were delegated to special functionaries, it became imperative to distinguish a more complex system of nomenclature to differentiate one individual from another. The London association of underwriters originally met in a coffee-house opened by Edward Lloyd in 1688. David Lloyd George (1863-1945). 1st Earl Lloyd George of Dwyfor. British Liberal politician; coalition Prime Minister 1916-22. At first the coat of arms was a practical matter which served a function on the battlefield and in tournaments. With his helmet covering his face, and armour encasing the knight from head to foot, the only means of identification for his followers, was the insignia painted on his shield, and embroidered on his surcoat, the draped and flowing garment worn over the armour. The associated arms are recorded in Sir Bernard Burkes General Armory. Ulster King of Arms in 1884. It has long been a matter of doubt when the bearing of coats of arms first became hereditary and it was not until the Crusades that Heraldry came into general use. Men went into battle heavily armed and were difficult to recognise. It became the custom for them to adorn their helmets with distinctive crests, and to paint their shields with animals and the like. Coats of arms accompanied the development of surnames, becoming hereditary in the same way.