Tag Archives: Fit girl Repack

Gene Rain Fitgirl Repack

Gene Rain Fitgirl Repack Free Download PC Game

Gene Rain 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 Gene Rain 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 Gene Rain 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 Gene Rain 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.

Gene Rain for Android and iOS?

Yes you can download Gene Rain on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Gene Rain

Now to download and Install Gene Rain 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 Gene Rain 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 Gene Rain Download

Screenshots  (Tap To Enlarge)

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

Gene Rain Review ,Walkthrough and Gameplay

In an oversaturated genre, like third-person shooter it’s always nice to have a new franchise throw Gene Rain fitgirl repack, its hat into the ring and that’s exactly what I just got done playing with a new game jean-rené is now out on Gene Rain free download PC game, but should you be soaking this one up like a nice summer rain or should this one just be wiped from the gaming gene pool jean-Gene Rain igg games is a new third-person cover based shooter from dealey Network a Chinese based developer.The game is very similar as far as its third person shooter designed to the Gears of War franchise in fact almost too similar in some ways the main campaign itself has three playable characters.That play slightly different from one another mostly in that each one has a unique ability and there are a couple of different weapons including also an upgraded weapons system in there that gives a bit of variety to the Gene Rain fitgirl repack.

But overall its kind of lackluster at its best the game story is a bit hard to follow and this is because of just the poor storytelling bad voice-acting inconsistencies and this goes with the subtitles in the game with spacing being off wrong words being used .Even reading the description of this game on the official PlayStation Store.It doesn’t even make much sense there honestly this game is really a mess at times this is actually the second time now I’m doing this review the first time there was an Gene Rain torrent compatibility issue with the PlayStation 4 Pro that wasn’t patched until the day prior to launch because of this it calls my entire game to be an ugly reg giving me a headache my entire Gene Rain fitgirl repack.

I was still able to finish it and did my review but if you saw that original review that’s why, I’m redoing it now with the visuals that actually are the way the games meant to look the thing is now the game looks extremely generic even more generic than it looked before as at least with the horrible color scheme that the HDR glitch caused the game at least had some personality the Gene Rain fitgirl repack itself though is pretty clunky aiming and enemies can be a bit all over the place the auto aim gets in the way I wasn’t able to hit targets.The way I wanted to I would end up aiming at somebody else instead of maybe an explosive barrel near a group of enemies when enemies got too close it was really impossible to try to actually aim and hit them and there’s a lot of enemies that swarm on you and this just made the melee combat that’s included in the game a joke you can actually punch enemies away Gene Rain ocean of games.

But you’re just missing most of the time and it’s very slow the game’s enemies have a little bit of variety .But at the same time you’re gonna be seeing the same ones over and over again you have an AI partner for a lot of the missions in the game but really have much control over them.They have some dialogue usually the same lines of dialogue repeated over and over again throughout the missions and they don’t seem to help at all I don’t know if a single bullet that they fire actually lands and damages any of the enemies you’re fighting and of course I understand AI can’t be too good but this time it just seems like why even have an AI partner if they’re not gonna help at all the game is chapter based with the different chapters having a bit of story usually before and after them and you’ll switch between the different characters though like I said the Gene Rain igg games.

Doesn’t change up a lot usually the only thing that change up is the types of missions you’re doing instead of maybe getting to the end point destroying all the enemies along the way you may have to destroy a certain type of enemy like turrets that are on walls in a certain area thankfully the game’s campaign is relatively short considering it’s so generic and badly told you’ll probably want it over sooner rather than later if you even decide to check out the title one time ago saw things game you can crash .I mean but there was numerous other bugs and glitches throughout whether it be from the audio department the visual department our camera issues with enemies getting too close and being impossible to aim at them there’s just tons of little minor things slowly bring this game down more and more the longer you end up playing it jean-rené is available now on the ps4 MPC for $24.99 .

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.

Atelier Ayesha The Alchemist of Dusk DX Download

Atelier Ayesha The Alchemist of Dusk DX Fitgirl Repack Free Download PC Game

Atelier Ayesha The Alchemist of Dusk DX 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 Atelier Ayesha The Alchemist of Dusk DX 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 Atelier Ayesha The Alchemist of Dusk DX 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 Everreach Project Eden 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.

Atelier Ayesha The Alchemist of Dusk DX for Android and iOS?

Yes you can download Atelier Ayesha The Alchemist of Dusk DX on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Atelier Ayesha The Alchemist of Dusk DX

Now to download and Install Atelier Ayesha The Alchemist of Dusk DX 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 Atelier Ayesha The Alchemist of Dusk DX 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 Atelier Ayesha The Alchemist of Dusk DX Download

Screenshots  (Tap To Enlarge)

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

 Atelier Ayesha The Alchemist of Dusk DX Review ,Walkthrough and Gameplay
Atelier Ayesha The Alchemist of Dusk DX igg games , Atelier, Atelier or Atelier. Whatever you want to call it, this franchise has been alive and well for over 20 years. With the oldest title having been released back in 1997 and the most recent one being released earlier this very year. With a long running franchise like this, it can be a bit daunting for newcomers. Having 19 different games to pick and choose from can be intimidating to say the least, which is why I decided to make thisAtelier Ayesha The Alchemist of Dusk DX fitgirl repack in an attempt to get more people invested in the series by helping you figure out what installment you might want to start with.
As someone who completely fell in love with the series in a heartbeat and ended up playing every installment, I feel relatively qualified when it comes to presenting the basis of each entry for those of you who are completely new to the series. But first off, before we even get into which game in the series that you should start with, how do you even know if this series is for you? You’re an alchemist who goes through a journey of becoming a better alchemist through exploring together with your party members, finding new alchemy recipes and engaging in Atelier Ayesha The Alchemist of Dusk DX ocean of games.
All games have the mixture of alchemy, as in synthesizing various things and then they have the adventuring part where the combat and gathering comes in. Some of them have a heavier focus on the other and vice versa. Some have a heavier focus on character relationships and some have a heavier focus on story. But you’ll be given the time to explore whatever world you’ve been put in and then gain friends as you go. The best way I can describe these games is that they’re heartwarming. That doesn’t mean that they’re stale and that the stories aren’t interesting. The stories have their own twists and turns coupled with some drama here and there. So, if you think this series is something that you’re interested in Atelier Ayesha The Alchemist of Dusk DX torrent you still don’t know where to start, let me give you a short synopsis of each installment as well as a brief explanation on the installments mechanics. Out of all the 19 games that have been released so far, there are a total of seven subgroups in which the games are divided by. These subgroups basically mean, ”hey these games are loosely connected and have several characters who appear in more games than one.” But they’re not all the same in Atelier Ayesha The Alchemist of Dusk DX repack download and each entry still has its own contained story even if they’re all tied together through certain characters. The easiest way to explain it is that you won’t miss out of any of the main story content if you start in the middle of a subgroup but you’ll get to see reoccurring characters and experience branching side stories if you do decide to start with the first entry of a subgroup and then work your way forward.
So it’s not required but it is preferred. It’s most likely something you’ll realize in hindsight if you do start in the middle of a subgroup but not something that you’ll notice as you’re going through it. But because the games that are within the same subgroup can still be very different from one another, if you end up not liking one of them, don’t let that discourage you from trying the other games in the game subgroup because they can be very different. Ultimately, it’ll be up to what looks the most eye-catching to you. It’ll most likely come down to which character you find the most appealing, since the games are very character driven it’s more fun to start out with an installment that you think you’ll enjoy based on how you feel about the character. Although the series did start back in 1997 with Atelier Marie, none of the first five Atelier Ayesha The Alchemist of Dusk DX download in the series were published outside of Japan. Which means it’s pretty hard to get your hands on them nowadays.
But I didn’t want to leave them out since there are the root of the series, so I figured I’d talk about them briefly at the very least. If you’re not interested however, you can skip to the time that’s currently being displayed on-screen to hear about the games that have been released outside of Japan and are obviously more accessible. Okay? Let’s get started. The first subgroup is the Atelier Ayesha The Alchemist of Dusk DX download games, which consists of three games: Atelier Marie: The Alchemist of Salburg, Atelier Elie: The Alchemist of Atelier Ayesha The Alchemist of Dusk DX pc download and Atelier Lillie: The Alchemist of Salburg 3. These are the first three games in the series. Marie and Elie were released on the Playstation whilst Lillie was released on the Atelier Ayesha The Alchemist of Dusk DX PC download.

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.

The White Door Download PC Game

The White DoorFitgirl Repack Free Download PC Game

The White Door 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 The White Door 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 The White Door 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 The White Door 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.

The White Doorfor Android and iOS?

Yes you can download The White Door on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install The White Door

Now to download and Install The White Door 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 The White Door 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 The White Door Download

Screenshots  (Tap To Enlarge)

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

The White Door Review ,Walkthrough and Gameplay

for as long as I can remember I’ve always been a huge fan of classic animation as a boy I would collect VHS tapes of animated movies , spend countless days watching them whether or not, I wanted to admit it these films were a huge part of my life everything changed when I was about nine on one fateful trip to my great grandmother’s house The White Door igg games had an enormous conglomeration of tapes in her attic complete with an area to view them by the attic stairs an old TV sat hooked up to a VHS player with a mattress in front the perfect place to watch movies .I can recall on a handful of times we went to a house but only one visit sticks out in particular it’s when I watched that movie one evening I was nosing around in attic looking through a movie collection for some animated movie I’d never seen before every title was familiar.

I consider watching Fern Gully until I noticed the tape resting on top of the shelf it was without a cover.The only marking on it was a stick of that red the white door I never heard of this movie excitedly I popped the video in the player.Got comfortable I had no idea what I was in for the movie started with a victorious fanfare .A panning shot of some crimson colored The White Door game download as the clouds drifted past the screen the music got more and more cheerful.Until the clouds eventually raced off revealing the title of the movie placed in the sky were massive golden letters that read the white door from the looks of the animation and quality of the music. I would guess the movie was made around late 80s the title sequence faded away .

The opening scene began with a small blond-haired boy wandering through darkness until he came across a massive white door he stopped before it and gazed upward .Curiously examining the colossal entryway the door opened.The heavenly lights poured in all around him with a hand over his eyes he slowly ventured inside harp music presented the scene as the boy crept through the doors the entire screen was overtaken by bright white lights the scene faded back in order to reveal the boy standing in a plateau of white purple and pink clouds he was dressed in a white robe .Had very small wings protruding from his back it was of course implied that the boy had died I was taken slightly back by this why had he died the concept seemed a little too dark for an animated children’s movie the small boy looked around searching for some explanation as to his whereabouts the music had long since gone away .The movie cycled through various shots of the boy slowly walking around looking for any sign that he was not alone he stopped searching and looked down at his feet .I’m all alone he said on the verge of tears it The White Door fitgirl repack don’t know where everybody is love all alone the boy began crying I want to go home he yells several times crying more and more with each pitiful.

The White Door fitgirl repack his crying was disturbingly realistic he sat down on the ground and began bawling. I want to go home I felt a chill race up my spine this child was in agony absolutely alone in what was supposed to be a paradise the boys wailing was interrupted when a small brown dog ran by grabbing his attention immediately his tears would dried.He began to follow the dog cheering The White Door fitgirl repack I can’t believe you’re here Chester he skipped and laughed, as he attempted to catch his pet but the dog always seemed to be just out of reach it may have been my imagination but I noticed something strange in the background.T

here were clouds decorating the back scenery blacked out as not distract the viewer but some of these soft shapes looked at normal as the boy ran the clouds started look like distant human silhouettes silently watching him the boy finally caught up to the Doug and left forward.Hopping to greets him with loving hugs as soon as the boy touched the animal he realized that it was merely a cloud that resembled Doug it bursts into white puffs he began crying again this time louder and clearly more heartbroken he truly was alone he continued weeping , did not seem to notice what happened next a deep voice chimed in offering this simple statement you know he cannot come with you the screen immediately cut to black.The film began spewing a gentle noise it sounded like gears grinding together but I can barely hear it.

I really should have turned that TV off at that point I wanted to so very badly but I couldn’t move my legs were glued to the floor.My eyes were transfixed The White Door fitgirl repack the screen I simply had to see what was going to happen next in an instant the sound of gears cut away .The next scene began the rich colors were intoxicating .I found myself gawking at the sheer aesthetic beauty of this bizarre movie a massive beautiful tree overlooked a green field .The same angel boy sat underneath it harp music was playing the same as before but this time sounded less heavenly perhaps it was a sneaking suspicion as to what I was about to behold but the music seems foreboding the great tree as the boy called it was listening to the boys woes with great attendance and spoke back to him.The trees voice was for lack of a better word creepy it makes me shudder just to think about it I really cannot explain it it was one of the weirdest things I’ve ever heard the tree would sway from side to side and speak in a quiet muffled voice.

That was almost impossible to fully hear it sounded like a man’s voice stretched to an impossibly high pitch but muffled through some thick object .I couldn’t understand a single word he said but the angel boy heard everything they shared a seemingly mild conversation as the boy asked simple questions about where he was ,what happened to his family with each of the great trees responses the boy would lower his head in sadness as if he were accepting some morbid fact I was curious about the significance of the scene was the tree supposed to be God or some other heavenly. Being there was no clarification toward any of the pressing questions that perpetually plagued my mind after the great tree had answered all of his questions he began talking continuously he was babbling on about something that apparently angered him because the child’s still up from where he was seated and slowly walked back from the tree he wore a look of paranoia as if he were afraid the tree would lash out toward him .

Any moments suddenly there was a new perspective the camera gradually zoomed in on the shot of the tree alone slowly swaying back and forth he was talking very calmly from what I could hear and his voice sounded foggy and distant the boy began crying again his whales heard from off the screen his weeping slowly evolves into pain and juice screams.He was shouting as loud as he could stop it please stop and help me help me my blood ran cold this was the sound of a child being beaten with every passing second the boy was screaming louder .But the tree kept its calm disposition or gently swaying back and forth I couldn’t see the boy but hearing him cry for help was unbearable. I was nearly in tears at this point and I didn’t want to watch anymore so I got up to turn off the TV but as soon as I moved the screamer black and started playing the familiar grinding gear noises this time it was considerably louder The White Door fitgirl repack the loud metallic sound I noticed a subtle oddity I thought I could hear a very quiet voice whispering something but any indication of what this was was drowned out by the loud gears what awaited me in the next scene shook me to the core without any graceful transition the next scene forced itself into the movie as if it was not intended to be there distorted music was playing at her inconsistent volumes.

The entire color scheme was off something was seriously wrong suddenly the music stopped the boy was lying on the ground arms crossed on his chest his eyes were closed and his face looks hollow.All around his body roses purged out of the ground arranged in a neat circle the roses grew noticeably quick in a matter of seconds the roses were a few feet high but all the while the child did not move there was no life to him the only sound was the occasional ominous piano notes punctuating the silence the roses grew very high but all at once would go back to being small restarting the cycle the boy remained motionless.

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.

RUNNER HEROES The curse of night and day Fitgirl Repack

RUNNER HEROES The curse of night and day Fitgirl Repack Free Download PC Game

RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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.

RUNNER HEROES The curse of night and day for Android and iOS?

Yes you can download RUNNER HEROES The curse of night and day on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install RUNNER HEROES The curse of night and day

Now to download and Install RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day Download

Screenshots  (Tap To Enlarge)

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

RUNNER HEROES The curse of night and day Review ,Walkthrough and Gameplay

Welcome to RUNNER HEROES The curse of night and day igg games, we’re here with runner heroes which is a new game on Steam.This is the opening cinematic legends lost between the seams of space .Time carried by the wind capable of dragging words and gods were among those stories one has survived to this day excuse me two princes sitting here before you that’s what I said now okay runner heroes the curse of night and day right so I bought this game on Steam it was reasonably expensive for an indie game . I’d never heard of additionally the game was 16 RUNNER HEROES The curse of night and day fitgirl repack to install.
I’m really hoping that it justifies that RUNNER HEROES The curse of night and day ocean of games I think it wants me to use a controller so we’re gonna use a controller we’re gonna we’re gonna get a controller in here I’m just gonna plug my old controller in all right.
I don’t know I don’t know what we’re doing yeah tutorial let’s go I’m ready I’m ready to tutor me I’m ready to be tutorial I x’d tutorial fine I’m ready I’m ready let’s go huh guess we got a load all 14 gigs right yeah it’s a huge file it was a little bit pricey .It’s a runner game so I don’t know what I don’t know what it’s doing with 14 gigs of space I’m pretty sure Mass Effect one the whole entirety of Mass Effect one .Right so heat round or something and then swallow that flower. I’ve been I’ve been having problems with my mic recently where OBS will just drop my mic stream.That’s very annoying.I’m not sure where it dropped I’m gonna fast-forward through the bits that had no sound just to get to see it .
But you won’t hear my hilarious commentary.But hopefully it doesn’t happen again I will try .Keep an eye on it I don’t know what’s causing it .But we’re going oh here we go so you guys can you guys can watch me do it again .Hopefully the sound stays with us this time .I will make some hilarious jokes .Now I know exactly what I’m doing as well I know about all the dashes .The jumps,I figured the whole thing out I’ve got it RUNNER HEROES The curse of night and day torrent I’ve got it down to an art form I’m the best I’m literally the best at this you guys know because no one else has played it because it’s brand new it’s on Steam.I’m playing it and we can – we join up and we separate we – I want a jump yeah the jumps are hard because if you if you wait if you don’t do the jumps in exactly the right time you definitely do die.It’s not good there we go and jump and jump and out and jump alright so this is where we’ve got a dash got it yes okay here we go so this is this big dramatic RUNNER HEROES The curse of night and day pc download I’m not sure where I lost my mic last time.But it was unfortunate say yes, I was mentioning so this sound here why is he no sound that’s weird and then there was some text there you can’t swim or something yeah it goes really quickly the the words .Stuff so this dude is like drowning in the in the river you can see his eyes there he’s crying he’s sad and then he eats a flower.
I know that’s the first thing I do when I’m in a river is I eat a flower definitely the first thing I do don’t know why the sounds totally cut out for a 14 gigabyte game you’d think the sound would still be there .Here we go he’s coughing cock cock cock are you okay yes that was close oh she slaps him why didn’t you tell me you couldn’t swim you idiot idiot I thought I had it controlled what scared the hell out of me he definitely already drowned yeah it hands of freezing yes he died he’s actually dead isn’t he Lisa I don’t think .I’m gonna let you in because you almost drowned right I think we have a problem what’s the problem what is the problem we won we’re the best we are by far the best day one the curse all right let’s go let’s get into it we’re running we’re running heroes I’m I’m ready to go I’m ready let’s go long loading screens .But that’s okay oh we got a cutscene for several centuries RUNNER HEROES The curse of night and day free download I had known nothing but the great wah.But the arrival of a superior Evo came by surprise .Everything changed Oh so literally it was a bat it wasn’t evil but they weren’t the best one so the red which appeared the technological city of verse sook fell in the blink of an eye the witch did not attend in new negotiations .Soon arrived the White Tower of RUNNER HEROES The curse of night and day fitgirl repack the magicians fiercely defended the great white tower .But his defeat was only a matter of time his defeat that’s weird King Cole one of Olivia MAME to the aid of the kingdom of the magicians man that’s hard to read on White was at a disadvantage yet they fought bravely under cold winds orders. I like this art the arts very cold yet his future defeat was evident .
Then something unexpected happened two kids decided to run okay it’s amazing what you’ve accomplished with your little army wow that’s pretty calm condescending there we may not what now is about over the last four years .Winning will only be a matter of time right you want to say people are offering you a way out oh yeah what’s your way out a wedding right she wants to get married she’s got the thrills for getting married yeah he would end the siege is : accepted the deal the wedding would take place in this kingdom in 42 days according to tradition right it’d be like husband and wife in the eyes of tourists all right so there’s a wedding I don’t I don’t get that how this is linked to our other story Queen Nikita the kings of odyssia.
The witch prepared for the occasion supported by our faith four generals see racks this is like here’s that here is our person I never imagined that I would attend your wedding this way all right so that’s that was a kid .This is them my real wedding will be with you I promise but it’s the only chance to take down the witch oh right so they are the baddies the true purity will talk you your we will attack your army as soon as the witch dies please don’t let me go to this pantomime without a kiss she saw it rawr.
She sits everyone on fire or whatever that is I mean legs said the art-school the story seems really weird father knew [Music] something worse than death I guarantee that not even the next life will you meet when you run the other run that when one rests the other will rest .When one dies you both die on the cold night and the other on a scorching day right so don’t know what happened they they got caught kissing .She freaked out what happened we needed like a 15 years later something where are you are you there I’m totally here where is everybody. I’m still in church but I don’t see anyone.Why is it suddenly night I gotta get out of here right I’m living alone what happened right I sent some resistance like something inside me doesn’t want to move all right so it’s running time right there we go it’s running time all right we’re running down some stairs I guess uh-huh oh my god this camera is making me ill I do not like them I do not like the camera changing I don’t like that at all so can you get out in front of her I can right I do not like the camera at the camera changing.
Definitely making me feel sick here I don’t okay yeah the camera changing there is awful it’s actually awful the camera change but that’s fine we’ll figure it out we’re gonna we’re gonna get this we’re gonna test this beast just gotta stick together here right I mean the conceit is oh my god I hate the camera is our way too is there a way to change that it doesn’t look like there’s a way to change the camera setting that’s fine Yeah right .There’s not a way to change the camera setting we can speed it up yeah .There we go I hate this I actually hate this running down these steps.There’s just no way to see what the hell we’re doing because the camera is trying to do this cinematic thing it’s really annoying right yep .
We’re doing fine so where we apparently can’t see each other we’re running we are running like a boss hopefully there’s some checkpoints in here what okay so here’s a checkpoint that’s good I like that there’s a checkpoint there that makes it doable you know instead of just like infuriating it makes it doable all right gonna do that are jumping are we supposed to burst through the fence we must be supposed to burst through the fence okay nearly fell hidden nearly fell down all right here we go Oh two knots will sit the fence okay well I don’t know what I’m doing wrong then I don’t know what I’m doing wrong guys I have no idea that’s all right though we’ll figure it out we’re doing some running it up Oh mate we’re supposed to dash through the wall well let’s try that let’s try a – this time it’s certainly not clear because sometimes in you.Yeah just whatever that’s fine we’ll try the – this time we’ll give it a go can you can we jump in – what we can jump in the air do we – in the air now okay right so he doesn’t jump as high as she does all right I don’t know what it was just to do here I don’t know what I’m supposed to do with that jump I’m gonna fast forward till I beat that jump I made it it was just about oh my god okay so it’s just about where I press the jump button that’s something more than that but it is very annoying .I don’t know what I’m supposed to do with the next one I’m so I guess I’m supposed to jump as well all right there we go got it yeah we got this figured out we got it going on I nearly didn’t figure that one out though so we’re jumping into this pirate ship there’s no checkpoint before this or after this that’s so annoying okay I’m fast-forwarding to the end of the level .Okay so we got there we beat it we’re the best we win RUNNER HEROES The curse of night and daynew scroll got right whatever that means day two loneliness feeling that loneliness all up inside me all right I’m ready to feel the loneliness let’s go hey ho let’s go loneliness what the hell is this am i trapped in an eternal night looks like.I’m stuck on an internal day people have disappeared where is Colwyn .
My mother for tauros my poor father Odysseus no longer has a yeah .I’m tired of doing that so we’re gonna do that anymore there’s nobody all over Olivia will it be like this in the rest of the kingdoms damn the whole plan has failed hopeless is okay I like the idea I’m saying it like that damn the whole plan has failed hopeless is okay alright here we go this is loneliness so we got some missing floorboards but we failed yep we totally failed I really hate the the the moving camera it’s actually awful I pressed the jump button.It didn’t work so I don’t know what I missed there but that’s fine obviously I miss pressing the jump button I also have no idea what else is to be doing on this ship alright that seems really weird so he dodged those guys we can’t fight them RUNNER HEROES The curse of night and day fitgirl repack I guess yeah Oh nearly hit that wall which is fine I guess so we’re doing okay Oh a nearly died there nearly died .I was forgiving forgiving my trespasses right yeah I don’t from the very beginning yeah I really do not like the checkpoint system in this game at all not even a little bit it’s like I’ve already done a bunch of hard stuff I’m not super keen on doing it.

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.

Christmas Tina Download PC game

Christmas Tina Fitgirl Repack Free Download PC Game

Christmas Tina 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 Christmas Tina 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 Christmas Tina 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 Christmas Tina 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.

Christmas Tina for Android and iOS?

Yes you can download Christmas Tina on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Christmas Tina

Now to download and Install Christmas Tina 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 Christmas Tina 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 Christmas Tina Download

Screenshots  (Tap To Enlarge)

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

Christmas Tina Review ,Walkthrough and Gameplay

Christmas Tina game download, in a tin is that joke no this is a joke Christmas Tina igg games, it’s Christmas dinner by game they’re going to be rolling it out for the whole of the UK.But I’ve managed to get hold of a tin and today I’m going to be reviewing this tin of Christmas dinner.Now it’s got nine layers nine layers scrambled egg and bacon for breakfast then you go on to a couple of inspires turkey and potato then the next lounge gravy then you got bread socks you’ve got cranberry sauce broccoli and stuffing or sprouts and stuffing.But I’ve got brought me and stuffing because I’m not too keen on the old sprouts no I mean Norman Christmas Tina ocean of games. I’ve got a next two allowed we’ve got carrots and parsnips roasted carrots and parsnips that is and to finish off we’ve at the bottom of tin we’ve got Christmas pudding now right let’s get going now it’s a fault in completely Fault in there right now what I presume you two while you’re on the old Game Boy planning our plan y’all station plan yo Xbox and a cheat all you did to GTA 5 San Andreas that kind of stuff you know. I mean I suppose you’re supposed to take it from the tin but for the purpose of this review I’m going to enter the tin out and see what we got because otherwise you’re not going to still learn so see if I’m gonna get it out in one I will don’t uppercut that one come out can .I have one there it comes come on come on nearly almost do one go there well right so here we have it Oh and Christmas Tina fitgirl repack some lovely smells coming off of this crammed got all we got lovely a rich sherry cranberry sauce right we’re going to start on the first layer which is scrambled egg and bacon so I’m presumed not just woken up on Christmas morning and I’m going to start under Christmas Tina torrent.

Bit on the sweet side Christmas Tina skidrow but um that is definitely scrambled egg and Christmas Tina pc download taste a little bit bacon quite smoked them I’ll tell you what for that for the first layer that is I wanted what I would not mine at that one I won’t complain at that at all hmm so what that is that is good.That is good right a star on the next layer next nice mince pie martínez gone it’s a bit is there’s not much of mince pie and I’m thinking because then you yeah but let’s have a taste in Sepang hmm now that is good that is good definitely Christmas Tina free download Oh lovely Paul hmm Oh beautiful there’s not there’s none bit there start be a turkey mixed in with that bit man hmm no that is some well whoever for better side here that’s brilliant this is brilliant they should do this them they should do this not just a Christmas parade

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.