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Total War THREE KINGDOMS Mandate of Heaven Download

Total War THREE KINGDOMS Mandate of HeavenFitgirl Repack Free Download PC Game

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Download Total War THREE KINGDOMS Mandate of Heaven Fit girl repack is a free to play a game. Yes, you can get this game for free. Now there are different websites from which you can download Total War THREE KINGDOMS Mandate of Heaven igg games and ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download this awesome game.

Total War THREE KINGDOMS Mandate of Heaven for Android and iOS?

Yes, you can download Total War THREE KINGDOMS Mandate of Heaven on your Android and iOS platform and again they are also free to download.

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How To download and install Total War THREE KINGDOMS Mandate of Heaven

Now to download and Install Total War THREE KINGDOMS Mandate of Heaven for free on your PC you have to follow below-given steps. If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First, you have to download Total War THREE KINGDOMS Mandate of Heaven on your PC. You can find the download button at the top of the post.
  2. Now the download page will open. There you have to log in. Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Total War THREE KINGDOMS Mandate of Heaven Download

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Total War THREE KINGDOMS Mandate of Heaven Download
Total War THREE KINGDOMS Mandate of Heaven Download
 Total War THREE KINGDOMS Mandate of Heaven Review, Walkthrough and Gameplay

So “Total War THREE KINGDOMS Mandate of Heaven” and “Wing Commander” are having a baby. This is gonna be great! It’s been a long time since we got a good space sim. And Chris Roberts is back on board for this one, and he’s been saving all his ideas for this? I’m definitely on board! This is a man who knows how to make some great games! Go ahead and take my $30! Two years? That seems kind of early, but… I’m sure it’ll be great! So this is two separate games now? This website layout is terrible for new people… Is it a game package? Does “fly now” mean “play the game”, or…? Is it Total War THREE KINGDOMS Mandate of Heaven DLC download

Do I have to buy “Squadron 42” separately? Why are all the game packages ships? Oh my God, these prices… $15000? What’s happening? Well, I guess, people are buying this… Why is everyone buying this, but they have a long way to go. But why did they have a long way to go? See, “Star Citizen” came out during the wave of crowd-funding games at the end of 2012. I was pretty skeptical of crowd-funding. I still am. Total War THREE KINGDOMS Mandate of Heaven ocean of games is usually pretty dumb, but in this case, you don’t actually know if you’re gonna GET what you’re ordering. A lot of them didn’t even guarantee a product. Just ask Tim Schafer… So, for the most part, I thought it was a good way to throw your money into a drain. There have been some high-profile failures. Like developers wasting all the money they were given to make the game, or a voice claiming to be the Sun, saying they can’t work on it anymore. It’s reasonable to accept these kinds of setbacks. If the SUN says “Stop”, your project is over.

At the same time, there were enough successful games that crowd-funding is a thing now. But none are bigger than “Star Citizen”. So how did this happen? How did Chris Roberts assemble a giant nerd-herd to give him over an m… pardon me, not a million… over a HUNDRED million dollars? Let’s take a look at the pitch: CHRIS ROBERTS: “Hi, I’m Chris Roberts! Ever since I saw “Star Wars” as a wide-eyed eight-year-old, I Total War THREE KINGDOMS Mandate of Heaven fitgirl repacks of being a hotshot pilot, saving the galaxy,” CHRIS ROBERTS: “or living like a rogue, making my way across the cosmos.” Chris Roberts is an industry veteran. He knows what he wants to make, and he knows how he can sell it to his audience. The pitch of “Star Citizen” is simple: a combination of “Wing Commander’s” campaign (Total War THREE KINGDOMS Mandate of Heaven igg games ) and a multiplayer universe that will be familiar to “Freelancer” AND “Privateer” players. It had a lot of elements that I look for in a pitch. It was being led by Roberts, who is an industry veteran, and not just some guy with a big idea, so I had a feeling that he knows what he’s doing.

Lots of Total War THREE KINGDOMS Mandate of Heaven torrent will talk about their features, but Chris Roberts had footage and assets to back them up. “Here’s how spaceships will work! By the way, here’s a video showing a spaceship in the game, showing how it works!” As it turns out, proving you CAN make the game is good for FUNDING the game. It went WAY over its initial funding goal. At the end of their Kickstarter campaign, they made about $6 200 000, which is about triple the cost of the $2 000 000 they asked for. But even with all that success, I wasn’t sure if they could still keep in budget. I could just see a lot of cost piling up for the game and all the stretch goals.

But, I guess, he’d made games before, so I figured he could pull it off. It HAD to be privately funded already, and he’d gone to the crowdfunding so he could add in more features to get the game finished. I mean, he was already showing everyone assets, so I figured that he had SOMETHING there. And the stretch goals were promising SO MUCH, like a fully Total War THREE KINGDOMS Mandate of Heaven repack and flyable carrier and over a 100 systems on the launch! I was… kind of right. But I got it backward: he actually wanted to do the crowdfunding to show the private investors that people wanted this game, so he’s gonna get the rest of the money from them. But when the game hit Total War THREE KINGDOMS Mandate of Heaven download, he said it was fully funded by then, so it was all in the hands of the people. When they hit this mark in October 2013, Roberts gave everyone a choice: they could either stop the funding and have a big “Mission accomplished!” banner on the website, or they could get a fund counter and keep going with it. Only 5% of players wanted the game as is. I was part of that 5%. 88% (!) of everyone else wanted to keep going with it. So they kept going with it… To be fair: this is a tricky situation. You have an overwhelming amount of the community saying they wanna give you more money to keep developing the game, and only a small percentage who wanted it to stay as it was. So they kept adding stretch goals. And the money kept piling in. Now, fans like to say that there is NO feature creep in this game, but they were adding stretch goals up to the $60 000 000 dollar range.

The money came in, features kept being added, and the “time to make” kept being piled onto the project. It didn’t look like it would ever, ever end. We’re nearing 2 years past the Total War THREE KINGDOMS Mandate of Heaven download delivery date, and we still have a long way to go. What people backed in 2012 isn’t what’s being made anymore.

No one knows what the release version will be. You can’t really argue that you’ll be getting everything you asked for and more, because not even Chris Roberts knows what’s gonna be in the release version. He said it himself. CHRIS ROBERTS: “We’ll have what we sort of determine as sort of a minimum viable product feature list for what you would call “Star Citizen commercial release”.” Total War THREE KINGDOMS Mandate of Heaven torrent: “Which is, basically, when you say: Okay, we’ve gotten to this point,” CHRIS ROBERTS: “and we still got plans to add a lot more cool stuff and more content and more functionality and more features.” CHRIS ROBERTS: “Which, by the way, includes some of the latest stretch goals we have,” CHRIS ROBERTS: “cause not all of that’s gonna be for… absolutely right here on the commercial release.” “Minimum viable product”. What’s even gonna be in it? Is Chris Roberts gonna ask the Sun? You might think I’m being a little too hard on Chris Roberts. He’s a perfectionist. Shouldn’t that mean that his game will be the best he can make it be? Well… The problem is: perfection takes time. If you’ve watched any of their videos or read through “Jump point”, you’ll see: everything goes through Chris. He’s making a universe, and he is its God. From uniforms to spaceships, to bars – he decides everything and has the final word. So why is this a problem? Well, it happened before… And it was called “Freelancer”. “All this has happened before, and it will happen again.” “Freelancer” started development in 1997 under Digital Anvil – Chris Roberts’ company. And he had big ideas for the game. He wanted to make a virtual universe, where star systems would have advanced AI to have an economy that would run without players, but you could influence their actions.

You could visit planets that would have transportation, weather systems, thousands of players able to play inside of the universe, pursuing missions, doing missions with other players and a single-player element that… wait… Does this sound kinda familiar to you? (whispering) It’s “Star Citizen”! See, he said in the pitch that he was waiting for technology to catch up before he made the game of his dreams, but he made an attempt before. When he revealed “Freelancer” at 1999 Total War THREE KINGDOMS Mandate of Heaven, people couldn’t believe it. “Wow!” – they said. “These graphics look like shit…” (fart noise) But everyone loved everything else about “Freelancer”. People were skeptical about his claims of having a living economy and other features, but it was winning all the “Most anticipated” and “Game of the show” awards. He promised everyone he would release the game in 2000. But the game had issues and he wanted to put in new features, so it was delayed to 2001. It was at this time that Microsoft came into the picture. [malevolent demonic laughter] Microsoft is all those evil video game publishers. The one that hates freedom and creativity and artists.

And I think that the indie game community should come together and formally request the United States government to try and execute these people for their crimes. [sound of chopping guillotine and a woman’s scream] No, but seriously, “Freelancer” was a mess. They were a year and a half behind schedule, were massively over budget, and they didn’t have the funds to even finish the game. When Microsoft bought them, Chris Roberts left the company, but he stayed on “Freelancer” as a creative consultant. Looking at the state the game was in, Microsoft ordered them to bring the ambition down. They took away branching conversations, automated flight control, other intensive features. With a publisher to keep things in check, the game had a goal and a vision. But even with them on the project, it wasn’t released until Total War THREE KINGDOMS Mandate of Heaven skidrow. The dynamic world Roberts promised was there, but the features were really brought down. The galaxy was static and the borders never changed, commodities were fixed, there was no living economy. But the campaign was praised. But not the living universe.

Missions were repetitive. In all, it really wasn’t what Roberts promised, but there were elements there that were really good. People still play it to this day. So it came out 3 years behind schedule, with fewer features than promised on launch. I’m guessing that will be the same thing here.

Does that mean it will be bad? No. But I think there is a lot of people in their community that need to have more grounded expectations. More importantly, they need to stop being so defensive about everything. Just because someone brings up a SLIGHT hint that, maybe, it’s not going to go all as planned, Day 1, they’re not a super-secret Something Awful saboteur out to kill your project and make… G’UH! (sigh) We’ll get to the community later… So, back to “Freelancer”. I don’t think anyone remembers “Freelancer’s” development as well as Chris himself. This is why I think the engine was chosen for this game – Total War THREE KINGDOMS Mandate of Heaven DLC – was very specific. That probably sounded stupid and obvious. Let me explain what I meant by this. CryEngine is a good engine, but in the case of “Star Citizen”, they’ve been fighting to make it work for them. They’ve even hired some key creators from Crytek itself to try and change the engine to make it work for them. And it was built with FPS games in mind, but action games can work too. It’s really hard to do it for a space game.

Especially when it comes to networking. So, why didn’t they make their own engine? The Budget’s a good reason. And time. Converting the engine to 64-bit and adding brand new networking to work with it is taking a long time. And it might have been easier if they just made a new engine. But that’s hindsight for you… So why pick CryEngine? Unreal might have been easier to work with. Or maybe another one… I’ve been backing up what I’ve been saying before, but this is gonna get a little different. This is my OPINION. Or more like “suspicion”.

That was all on Total War THREE KINGDOMS Mandate of Heaven download if you have any questions then comment down below in the comment section.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

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Prison Architect Psych Ward Warden’s Edition Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Prison Architect Psych Ward Warden’s Edition Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Prison Architect Psych Ward Warden’s Edition Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Prison Architect Psych Ward Warden’s Edition igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Prison Architect Psych Ward Warden’s Edition for Android and iOS?

Yes you can download Prison Architect Psych Ward Warden’s Edition on your Android and iOS platform and again they are also free to download.

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How To download and Install Prison Architect Psych Ward Warden’s Edition

Now to download and Install Prison Architect Psych Ward Warden’s Edition for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Prison Architect Psych Ward Warden’s Edition on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Prison Architect Psych Ward Warden’s Edition Download

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Prison Architect Psych Ward Warden’s Edition Review ,Walkthrough and Gameplay

Hey hooks it’s Prison Architect Psych Ward Warden’s Edition dlc download, here how you doing welcome to my first look at Prison architect.The Prison Architect Psych Ward Warden’s Edition igg games, we got the sneezer update this is the new content that they have just released and they have very very kindly the people at paradox contacted me and asked me if I would like to have a little look at it very very kindly provided me with a key for the new content.So I just have a quick look through here we’ve got a Windows can now be added on both sides of new walls I don’t know how much of this is part of the new update there was a reasonable download to go with it there’s loads of things in here quality of life tazer legacy others some fixes have been done.For other things but is there’s a whole load of new items materials and things like that windows can be added both sides of vertical wall art deco and oriental new walls we’ve got new floors limestone flowery field grass and stone sandstone lunar the objects sink hand drywall signs spooky and sakura trees cactus Park wench moose head and more new doors guards gates and secret bookcase door new sign sign post rooms such as canteens and showers grass corner to create angled pathways okay that’s pretty good Prison Architect Psych Ward Warden’s Edition ocean of games.

Multiple new dog types to choose from before and during a game option to choose a wall type for quick rooms room colored overlays can now be turned off in game options extra most used item menu filter has been added bridges are here.Lay them over roads water another land for staff or prisoners to cross rebalance daily payments for higher risk inmates maximum security protective custody death run criminally insane pay more. I’m not gonna bother reading any more of this because there’s loads of stuff there and the big thing about this update is that you’ve now got criminally insane people you’ve got basic cells holding cells where’s the new cell as a shared there’s a luxury Pat there look right you’ve got the psychiatrist office is a new thing so, we’ll just come in and we will very quickly Chuck down. I’m gonna do a very short video of this of some of this new stuff that we’ve got just so you can take a quick look at some of it so you’ve got a padded cell right there you’ve got a padded holding cell right there you’ve got a padded medium cell padded small cell that one there is oh it’s a padded solitary cell that one is so there’s some new stuff there the reason.

Prison Architect Psych Ward Warden’s Edition Download

I’m only just doing a very quick look it’s because we already have an ongoing series for Prison architect on this channel and I will be integrating this into the series it’s just you’re not gonna see it start turning up for probably another week before we start getting into this stuff and adding it into the prison the whole idea of having a prison for the criminally insane absolutely appeals to me I think it’s a wonderful idea Prison Architect Psych Ward Warden’s Edition torrent.

I would like to be able to do it I would absolutely love to be able to add that in as well let’s just make this a little bit easier by, oh we’ve also got psychiatrists that’s another one that they’ve added in so that they can wand around and they can help the criminally insane people as they go through we’ll add in a couple of those and then we’ve got loads and loads of new things. In here sign canteen showers armory so all of these different signs you’ve got various different paintings chest butchers table alright we’ll put one of those out so you loads and loads of extra bits and pieces have all been added in gravestones and supplied for every death it takes base in your prison okay so we can actually build a cemetery if we start having people dying with me in charge people dying is Prison Architect Psych Ward Warden’s Edition pc download.

It’s generally something that does happen we can actually start building a graveyard for it that’s wickedly cool I love that footbridge right here oh I see that comes out that starts there although I don’t know why inmates and staff cannot be built over walls fences and other buildings outdoor only. But I want to build it over anything else but I’d like to be able to build it look it’s not let me do it right steel footbridge there I’m not quite sure why it won’t let me thus know this this just requires we got the the room requirements in here it they they do need power so ,we’ve got those items in there staff in here we’ve had a look we’ve got the new psychiatrist dude objects there’s a lot of them in here there is a lot we’ve got plants in here we’ve got a cactus you can add one of those in we’ve got a lamp the bathroom sink there was this wooden tables here we’ve got new options for wooden tables we got a classy windows put one of those in there to see what it’s like we’ve got a painting where can I put the painting and prison.

This isn’t sell what no oh I see right how do I put the painting on the wall just because it’s prison doesn’t mean we can’t keep it classy right this oh right I can I can put I see right it’ll go there on the wall can’t put it in here and it doesn’t look like I can’t I can put it into a prison cell, but I can go and put it in his office I can’t put it that side I can only put it on that wall up there so, I’m gonna hang a painting up there on that wall we’ve got a leather chair here I’ll put that in the padded cell give him somewhere comfortable to sit down it’s know recently can have somewhere comfortable we’ve got window a large glass we’ve got large standard we’ve got sink and mirror a gym mat a table football.

I could go in there you can play a bit of table football okay so some pretty cool stuff in there rooms in here we’ve got you can dedicate a padded cell psychiatrist office padded cell solitary and padded holding cells we’ve already got all of those so we don’t eat we’re about the flooring we’ve got limestone flooring we’ll put some of that in there I got blue carpet which I will do for the bottom half of that one there Luna a hardened rocky surface with an interstellar look all right Prison Architect Psych Ward Warden’s Edition fitgirl repack .I buy that just put some of that down grass and stones will put a bit of that down as well bamboo floor okay I like the idea of this I do like the idea of some bamboo floor running track yeah that sounds a little energetic for my tastes.

I’ve got to be honest paddock we can have a padded floor in here so we can do that you can’t do padded outdoors but we can do a padded floor in there so, let them do that oh I see look it is actually padded you can see the padding on there as well I like the bamboo one I do like the bamboo flooring that they’ve got going on this that’s quite cool and grass corner right here for footpaths they put that one in there so, then I can put that up like that for a diagonal edge bring that in there look at that that’s fantastic and then you’ve got a that’s a really cool edge on the end of it there for paths going around corners in that we’ve got a sandstone floor right here glad some of that in there you go that can go over that bit and I’ve got brown carpet but some of that in there.

There is our new okay the Sun I like the sandstone one that’s quite a cool one that will fit our desert theme and also that bamboo will and not a desert our jungle theme that we’re doing the sandstone that one there and that one there they’re gonna fit our desert theme that we’re busy working on at the moment. Wow look at these we got loads of stripy doors in here let’s stick a stripy door on there we’ve got that the oak out and what that noise was we’ve got some yellow stuff going on here that’s pretty cool. I like these oh I love the bamboo gates oh that is an ax bamboo fence oh I am loving this because I’ve got what you know we got a jungle theme going on with thing at the moment let’s go really fast so that we go through the night we got slum walls got derelict walls we’ve got overgrown what this is fantastic so I don’t know what ,the gameplay is going to be like when it comes we’ve got the hedges already in there we’ve got a cushioned wall here that’s gonna be an internal wall in there an oriental wall that one there classy blue stripes classy green we’ve got all these fit this is absolutely brilliant we’ve got slum walls this is fantastic.

I love the bamboo wall that is awesome that is genuinely brilliant and then we’ve got foundations in here main ones there and then more wait a minute building brick more in here if I say wall classy Burgundy they’re the foundations and then I go building brick like this and we go for walls and doors and I go with a bamboo door on our bamboo gates on there.They should go and build that we’re just about run out of money.But look at all of what we’ve got here I got a load of prisoners have just come in which shouldn’t have let’s get some staff going shall we put any guard yeah so we’ve got two guards although I don’t have any power on any of that so it’s not like they can do anything there we’ve got overgrown walls and here we’ve got a slum wall so, I’m like you can really go for a theme on this now right that one right there that didn’t change the wall on there we’ve got more in here and I can go for a classy wall like that I see I understand now I understand how it works right I go here and I go building brick.That it’s just a brick wall isn’t it and that’s a concrete wall if I go into more in here and I go with an Art Deco wall like that there that puts that on and we can have a bamboo gate on it as well so I go back into here and I go to more Art Deco slum a rusty wall okay there’s the Art Deco.

That looks pretty cool and that’s this is absolutely brilliant this is amazing right that’s those bits Prison Architect Psych Ward Warden’s Edition download I’ve just about out of time I don’t want to do too much more now I would like to sit so, right here is the new ones you got you got prisoner transfer. I don’t know what prisoner transfer does right that’s the intake oh wait a minute huh high-risk prisoners that are too dangerous at other prisons are offered from time to time b1 there’s a reason they pay highly these are hardened criminals that no other facility wants to take so if you’ve got a decent supermax prison going on and you’re able to take them in you could get some prisoner transfers coming in as well it should be pretty cool criminally insane inmates with a constant level of suppression and require new padded cells and psychiatric help to reduce their privacy comfort safety and freedom needs Prison Architect Psych Ward Warden’s Edition download.Before they ignite you cannot request criminally insane inmates until you have some padded cells ready or a padded holding cell normal cells can be converted to padded cells via the room’s menu right so you’ve got the criminally insane and there’s a whole new sort of thing going on without now that’s just a really brief look at some of the stuff that is available with this new one criminally insane wing in there right this is just a really brief look at what is available with this new update its new expansion at they’ve released okay I think it’s abs it looks absolutely fantastic got loads of extra stuff.

If you’d like to see more of it then please check out my regular series every other day there is an episode of Prison architect and I will be putting all of this that we have just covered into the new update as well I need a warden to be able to unlock the bureaucracy let’s just do that a minute I just want to have one very quick look at that in error I got a warden there he is he needs an office but too bad he can’t have one for a minute and have we got any just looking, to see if I recognize anything see anything that is particularly different it doesn’t appear to anything different. Oh orderlies there that’s a new one right there um normal guards prohibited from attacking criminally insane remember inmates azomite hurt them in the process orderlies are specially trained to restrain the criminally insane without harming them orderlies up will also fit straight jackets to psychopathic inmates at nighttime to prevent them hurting themselves overnight so, there’s a new thing that you’ve got to unlock in order to be able to manage the criminally insane people at the same time that’s all the stuff that we’ve got.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

OMSI 2 Add On Regiobus i200 Download DLC

OMSI 2 Add On Regiobus i200 Fitgirl Repack Free Download PC Game

OMSI 2 Add On Regiobus i200 Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install v Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download OMSI 2 Add On Regiobus i200 Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download OMSI 2 Add On Regiobus i200 igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

OMSI 2 Add On Regiobus i200 for Android and iOS?

Yes you can download OMSI 2 Add On Regiobus i200 on your Android and iOS platform and again they are also free to download.

Also Read:

How To Install OMSI 2 Add On Regiobus i200

Now to download and Install OMSI 2 Add On Regiobus i200 for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download OMSI 2 Add On Regiobus i200 on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING OMSI 2 Add On Regiobus i200

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

OMSI 2 Add On Regiobus i200 Review ,Walkthrough and Gameplay

This is an add-on for OMSI 2 that combines the suburban versions of the previously released add-on «Citybus i280 series», as well as future suburban versions of the «Citybus i260 series» add-on.

Regiobus i200 – a bus of extra large capacity. This is a high-floor bus with 2 doors, an engine in the center and a drive to the middle axis. The trailer has a steering axle for better steering during cornering.

This series of buses started in 1973 in Hungary. The bus design was based on a modular system, thanks to which it became possible to build buses of various lengths for various needs.

The add-on includes several modifications of the Regiobus i200.03, produced from 1984 to 1990 under the requirements of Germany. Buses have a manual gearbox and a 6-cylinder engine.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Star Conflict ZeTa Deluxe Version Download DLC

Star Conflict ZeTa Deluxe Version Fitgirl Repack Free Download PC Game

Star Conflict ZeTa Deluxe Version Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Star Conflict ZeTa Deluxe Version Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Star Conflict ZeTa Deluxe Version Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Star Conflict ZeTa Deluxe Version igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Star Conflict ZeTa Deluxe Version for Android and iOS?

Yes you can download Star Conflict ZeTa Deluxe Version on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Star Conflict ZeTa Deluxe Version

Now to download and Install Star Conflict ZeTa Deluxe Version for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Star Conflict ZeTa Deluxe Version on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Star Conflict ZeTa Deluxe Version Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Star Conflict ZeTa Deluxe Version Review ,Walkthrough and Gameplay

Star Conflict ZeTa Deluxe Version download dlc reporting in yet another year is ending on this little blue ball of matter that we call earth sit back let the crew handle the ship take a look back at 2018 let’s remember what happened in Star Conflict ZeTa Deluxe Version download during this earth year January was still rumbling with the echoes of New Year’s joy an invisible but generous space Santa Claus brought a huge bag of new toys.The thermal repulsor the constellation generator the focusing laser and that’s just a taste of the new stuff by the end of January it was time for a different yet a very joyous celebration six years since the start of our star conflict journey but there wasn’t just one birthday boy two actually stars have converged in a beautiful way Star Conflict ZeTa Deluxe Version igg games, it was also that our gem games team which celebrated its birthday and blew the candles off the metaphorical space cake that day of course we couldn’t contain ourselves we had to share our joy with you some holiday cosmetics unique stickers even Rockets.If you’re going to celebrate something you better do it properly the first month of the spring brought big changes in March the journey update went live the update that introduced a fresh take on the progression system pilots now can advance through the game and improve their rank by playing the story campaign the galaxy map changed as well Star Conflict ZeTa Deluxe Version fitgirl repack.

You started choosing game modes through a special interface and approaching a system now reveals its available locations speaking of which we introduced three new zones to the map the excavation site number six in the more acts system the zone Star Conflict ZeTa Deluxe Version torrent dlc 42 in the V aura system and the LED on theta station in the line system moreover chips no longer require fuel for flights between locations neat that’s not all actually pilots also received three more gunships and the same number of frigates are the ships gained access to top-notch equipment and abilities as well moreover just to top that off pilots could now access a wider array of ships from different ranks to make the fleet management a bit heavier we added a special tab called Atlas of Technology.

We also implemented an option to customize your battle UI literally on the fly right in the middle of the brawl may even a galaxy at war is not a big enough reason to forget about the quality of life May and June when buying while we kept working on the balance but just to make sure you were still having fun we started churning out updates and new content to fill star conflict with action remember operation monolith we certainly do according to Intel a covert research centre was established deep in the ruins of the monolith the crew there focused on researching dangerous alien artifacts including the forbidden ones from the Star Conflict ZeTa Deluxe Version skidrow system to make it even more interesting we released a new ship the executors long-range frigate with new weapons and modules oh and by the way from this point forward the player could teleport to their corporations domain for free.

Yes it’s a small thing but a pleasant one nonetheless July was the month of space football who said there are no sports in vacuum nonsense moreover someone truly Noble and special visited our little friendly game the Star Conflict ZeTa Deluxe Version free win ECM interceptor the ceremonial ship created specifically to escort VI the for Amos god friggin joined it in August with a great selection of new modules on the precipice of fall the United mercenary center board announced crucial changes in the way payments for completed contracts were going to be distributed from now on drastic times call for drastic measures in September fraction loyalty vouchers disappeared all factions United financially under the banner of UMC it shook the economy up in a major way and made progression significantly easier.

In October we continued to observe the situation the universe of star conflict has changed and we kept a close eye on it every player started to get a free premium license upon leveling up and the license itself became much more useful and profitable we also introduced new functionality in the form of test drives yep you can now try a ship out before purchasing it to make it even more exciting we created a new game mode brawls so you could take a newly bored ship straight into exciting action beacon capture survival combat recon space ball you name it no and there were even more new locations the Huron base and terminal D in November the new world order echoed once again through the galaxy neo diem beryllium and Star Conflict ZeTa Deluxe Version oceansgames went out of business from this point forward the production will require only resources that already exist there won’t be any new ones near the end of the year we dropped a few more goodies for you guys first there was the new PvE mission the price of trust there pilots could dive into a heated battle for a dangerous secret weapon and millennia old piece of wisdom you can’t trust anyone even in space secondly the Star Conflict ZeTa Deluxe Version fit girl games mission system changed significantly as a whole enemies for example began to grow stronger just like you pilots the third important thing was the latest ship that we added to the fleet the alidium destroyer.

 

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Monolith Relics of the Past Download DLC

Monolith Relics of the Past Fitgirl Repack Free Download PC Game

Monolith Relics of the Past Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Monolith Relics of the Past Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Monolith Relics of the Past Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Monolith Relics of the Past igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Monolith Relics of the Past for Android and iOS?

Yes you can download Monolith Relics of the Past on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Monolith Relics of the Past

Now to download and Install Monolith Relics of the Past for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Monolith Relics of the Past on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Monolith Relics of the Past Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Monolith Relics of the Past Review ,Walkthrough and Gameplay

Monolith Relics of the Past dlc download is a top down action shooter with a lot going for it. I’ve been pleased to play it but it’s definitely missing something. So the run starts in a safe area with a cat that you can buy items from. I think his name is sup. These are permanently new items added to the game for you to buy in the facility shops. I think that makes this top down arcade game have roguelike elements? Right now I consider a game that’s the same run every time to be an arcade game, like the game I made a video for last week, Tormentor Monolith Relics of the Past free download. In that game there’s no item buying between games so it’s an arcade game. Then if this game does have item purchases between rounds then it’s Monolith Relics of the Past pc download. According to TotalBiscuit’s definition of a roguelike you need some randomization, some permadeath, and some meta progression. So by his definition this is a roguelike. The enemy layouts and maps are randomized, you die and have to start over, and the cat shop we just talked about, that’s the meta progression.

Doing deeper runs unlocks more items in the cat shop. Everything in there is really expensive. It’s going to take quite a few runs to get enough gold. It’s not clearly stated anywhere but the gold you receive in the game that you don’t spend before death is banked and available for spending in the cat shop. That is just what I’ve picked up so far, I’m still not 100% certain. Side note, one of the times I came to the main room the cat helped me decorate with putting down a rug. Another time a stranger was hanging out at the desk. Something else is going on and I haven’t figured that out yet. Anyway running the facility, dying, and buying from the cat shop is the game loop. The facility has everything you would expect in there. New weapons, shops, ship upgrades, and a lot of enemies to shoot. You’ll be moving from room to room and killing the enemies to unlock the room. The starting Monolith Relics of the Past igg games is fairly generic and not all that thrilling to use. You also get bombs which clear the room of bullets. One interesting aspect is that the weapons have ammo. The weapon you start with has unlimited ammo but any new weapons you collect will have a set amount of ammo. All the weapons also have their own feel, they’re very unique.

That’s not just because of the spread of the shot but from the reload. There is a bar under the ammo count in the top left that depending on weapon takes up different amounts of the clip. Some weapons use this bar in reverse and you need to charge the weapon to shoot it. I have some favorite weapons but all the upgrades are really good. What’s even better is the game usually gives you a choice between two weapons. Monolith is also polite and explains exactly what the weapon does, it even shows you an image of the shot. Monolith Relics of the Past ocean of games,I’ve had all kinds of weapons too, ones that charge, ones that go through enemies, and even ones that ricochet off the walls. It seems a lot of these abilities can be combined on the more powerful weapons. Since they have the ammo limitation you’ll never have that super weapon for too long. For most games that have this kind of movement I would recommend playing with a controller. However with Monolith I’m having no problems with keyboard & mouse. In this case it’s a lot easier to aim the crosshairs with the mouse.

The ship’s movement is really nice and smooth. That’s because overall the game speed is on the slower side. It feels really good and I’m always in control. And you’ll need to be since there are so many bullets coming at you. The ship has a dash so you can use that in tricky situations. I found the dash to not be as useful as you might think. While I’m concentration on the bullets and shooting the enemies I don’t have maximum brainpower to calculate where the ship is going to be after the dash. This only happens when the screen is really filled with bullets. One time I dashed into another room and grabbed a Monolith Relics of the Past torrent I didn’t want. Oh yeah there might be powerups you don’t want. A skeleton will offer to take away some of your hp or your max ammo to give you a big boost. The one I remember tempting me the most was HP for 20% damage. I don’t usually go for these since losing hp in this game is a big deal. Health does drop sometimes but not enough for it to be called plentiful. On all levels Monolith should be a great game. It even has small touches like when your health gets lower the ui goes from green to red.

Or you can teleport on the map if you just click the room you want to go to, saving you time. That’s why it pains me to say it just didn’t grab me. It has all these great mechanics and touches. I even find the art and music to be good. I don’t know if I’m having a pixel art or roguelike overload but something is going on. The game doesn’t put me in that state of flow where I can’t stop playing. It’s a perfectly good game that I’m sure many will enjoy. My PEPPINION of Monolith is that it doesn’t differentiate itself enough from other offerings in this genre. Even if it’s extremely well done with all the ingredients of a great game. I’m just not finding that special part of the game that gets me hooked. Thanks for watching, if you’re not already please consider subbing.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging