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Download Fallout 4 1.10.162 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 Fallout 4 1.10.162 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.

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Also Read:

How To download and Install Everreach Project Eden

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TROUBLESHOOTING Fallout 4 1.10.162 Download

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Fallout 4 1.10.114 patch download and few weeks ago Todd Howard took the stage to talk about Fallout 4 1.10.138 patch download.The game had been announced one week earlier with a brief teaser trailer set to John Denver’s crooning tones but but that’s days press conference offered actual concrete details. We now know fallout 4 1.10.130 codex will be focused on multiplayer survival we know it will be set in West Virginia and we know it will emphasize settlement building a system Bethesda Game Studios established in 2015’s.
Fallout 4 1.10.138 update download as I watched Todd promote his team’s game and marveled at the craftsmanship of that sick leather jacket something occurred to me I had only ever put 20 hours into fallout 4 as with any of bgs is open-world titles this is only a drop in a massive bucket I hadn’t reached the level cap or played any of the expansions or even completed the main storyline so I’ve considered myself a fallout fan for a long time fallout 3 is one of my favorite games and I absolutely adore what obsidian did with Fallout New Vegas I even went back to the first two titles which have an age that well to see what interplay in black I’ll did to get the series off the ground but in 2015 I bounced off of fallout 4 1.10.138 codex.
Maybe it was the packed schedule of fall releases or the numerous other games I was reviewing for work purposes but for whatever reason I spent a few fleeting days with fallout 4 and quickly moved on so now with all the excitement surrounding the upcoming fallout entry and a brief lull in this year’s major titles I decided to retrace my footsteps to give fallout 4 another shot to not only see what I’ve been missing out on but to investigate why such a huge entry in one of my favorite series failed to grab me almost three years ago.
Only one hour into my new play through i remember just how much Fallout 4 1.10.120 download overwhelmed me in the first place after emerging from vault 111 returning to my home in sanctuary hills and fighting through Concord with the Minutemen I rediscovered the game’s crafting system this includes everything from modular weapon upgrades to numerous armor combinations perk requirements to outfit enhancements even power armors relegated to its own crafting tree and drastically changes combat when you Don it as someone who wore.
Fallout 4 1.10.162 igg t51 B Armour religiously it took me a while to think of the exosuits more as vehicles than just outfits and of course none of this is to mention fallout 4 is divisive workshops if one feature serves as a microcosm for Fallout 4 it’s this a system that allows you to construct and modify your own wasteland outposts complete with resources to manage and citizens to care for you not only build your own house but an entire town if you devote time to creating numerous settlements they’ll eventually spread throughout the Commonwealth three years ago these elements were a major deterrent for me they felt like minecraft Lite. Tacked onto a game that didn’t need it to me the fallout world has always been about wandering scavenging living the life of a nomad in a dangerous American hellscape to settle down meant to wither to focus on specific plots of land meant to ignore the very freedom.
That made Bethesda’s open-world so appealing in the first place but replaying fallout 4 in the wake of community mods workshop DLC packs and an array of amazing YouTube videos about to give the settlement aspect a little more time and in doing so I fell in love with it the controls and UI took a while to master especially considering I was playing on ps4 as I owned all of the DLC on this platform but once I got the hang of menu navigation there was no looking back I bolstered my defenses I restored power to my living quarters I even set up a quaint little diner. Where greatful patrons can relax after a hard day’s work rebuilding these camps encourages creativity on its own but also does a stellar job of feeding into the rest of the game in order to create you have to scavenge in order to scavenge you have to explore and while exploring a dangerous wasteland you’ll likely get into a firefight or two which then yields more material for crafting and that brings you right back to your hideouts to store your best loot fallout 4 settlements are the glue that holds these various mechanics together.
I can’t imagine the game without them it’s good to see artillery here again to dig a little deeper this focus on post-apocalyptic domestication also supports Fallout 4s narrative while earlier Fallout games told stories of reconstruction but as does newest entry places the idea at the heart of things in fact most of the games role-playing which I’ll get to shortly centers around one major question what do you want the wasteland to be for instance you can rebuild the Minutemen the wastelands protective militia you liberate farms and defend drive-in theaters you increase the group’s influence over the Commonwealth until you retake the old fortress itself.
Fallout 4 1.10.162 game download the castle with artillery storefronts and crops alternatively you could aid the railroad a covert organization that smuggles synths to freedom away from the totalitarian aims of the corporate Institute as with the Minutemen you establish settlements in order to expand the railroad network by constructing outposts you actively grow the group’s reach as you might imagine I was borderline shocked to learn that the workshops were almost cut during development several times according to no clips history of bethesda video the team saw it as ancillary to the overall experience an ambitious endeavor that could have easily been abandoned I’m glad it wasn’t it fosters my attachment to the Commonwealth wasteland serving a narrative purpose but also giving me opportunities to put my own mark on the surroundings fallout 4s DLC.
Doubled down on the workshops not only other upgrades to your furniture structures and defenses but also a whole story based expansion in Nuka world which allows you to help Raider gangs in their bid for dominance the Fallout 4 1.10.162 DLC lets you build a Raider Empire complete with its own settlements and hideouts it would have made more sense to include this in the base game fleshing out another faction in Fallout 4 1.10.162 ocean of games role-playing framework but nevertheless illustrates Bethesda’s confidence in their crafting system really my altered perception of the workshop system reflects my newfound appreciation for Fallout 4 1.10.162 torrent download.
As a whole looking back on it three years later allows me to place it in a new context with more details about fallout 76 I can see fallout 4 as part of a gradual evolution that spans multiple developers interplay and black isle may have began the series as role-playing games but since the 2008 release of Fallout 3 they’ve become something different open-world shooters with RPG elements that’s not to say you can’t really role play in these games there are always ample opportunities to create a character and stick to that persona new vegas in particular encourages you to build a framework of morals and motivations and pushes you through its narrative with somewhat difficult choices but by and large bethesda has pushed role-playing to the background making more room for explorations survival and combat in the process following the series from fallout 3 to the upcoming fallout 76 you can see the developer increasingly focus on these three areas they improve crafting and combat drastically in Fallout 4 they subsequently added survival mode to make the game more difficult almost every upgradable perk is geared toward fighting or crafting.
Fallout 76 their marketing is stressing survival crafting and exploration over anything else any mentions of role-playing seem to arise as an afterthought placed in this evolutionary context I think fallout 4 is much much better than I originally gave it credit for yes it’s rife with bugs and on consoles the framerate drops low enough to still warrant a mention three years and numerous updates later there are also myriad problems when the narrative and I’m about to get to those but consider 76 is increased focus on multiplayer and survival by all accounts Bethesda should be running a huge risk of alienating long-term players such as myself but not only does fallout 4 convinced me that fallout 76 can fit logically into the series evolution it actively has me excited for it and I say this as someone who puts past Fallout games on an unreasonably high pedestal which is all to say that now I can accept fallout 4 for what it is and not what I want it to be I can sit back relax and enjoy the way it pushes me between flourishing combat scavenging and crafting I can take my time with the workshop system expanding my factions across the Commonwealth.

The Insurance Society of New York

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

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

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

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

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F1 2019 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 F1 2019 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 F1 2019 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 F1 2019 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.

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The F1 2019 game, it’s that time of year again when we have the next installment in the Codemasters franchise and better yet you’re sat here reading this article and getting my honest opinion on F1 2019 free download PC Game.All last year, I threw prices into the equation which unfortunately caused a little stir so this year I’m gonna be slapping on good old-fashioned numbers out of 10 on parts of the game I feel a worth rating let’s start with the all-important career mode then shall we the main talking point this year is the addition of F1 2019 igg games is your starting block something.
I think a lot of us F1 2019 ocean of games fans wanted did you know that means we’re in the game an element of progression working your way up the ladder as opposed to just doing 10 seasons in f1 and that’s it for another year now let’s start with the positives first I absolutely love what they’ve added F1 2019 torrent download on is.
In the game did you know not only of Codemasters added F1 2019 repack, but they’ve added an element of story to it scenarios giving you that feeling you’re involved in something bigger than just racing against the computer which for me is all I’ve ever wanted from single-player and honestly I’m very impressed with the concept the way in which your decisions genuinely impact the cutscenes that follow are really great to see it’s a step up from an already solid career mode. In f1 2018 and double it if one is in the game on my god however and there are always howevers as I come to the end of what is admittedly a very short f2 career only three short scenario modes I can’t help but have a feeling of being slightly shortchanged I really enjoyed the new challenge of driving the f2 car.
It’s taken away from you rather quickly after only three very short races I know there will be people out there saying well I only wanted a taste us so it’s the perfect length for me and that’s fine but I really feel like it’s an unfinished job not only are you fast-tracked into f1 no matter what your result in the f2 championship. But all the personality cutscenes that you experienced in f2 disappear when you get to f1 back to bog-standard career mode yes you will see the generic press clippings here and there and the odd commentary piece to make it feel like you’re still in a story but we all know deep down and I guarantee you’ll think this – after playing it but they could have taken this so much further and I really hope they do for 2020 that’s what it’s keeping all in the game .
Of course quick word on the AI they seem to have a decent amount of race craft and a racy which is what I like there was a tweet from the handling designer of the fitgirl F1 2019 David Greco only yesterday stated that the AI can take better lines through specially fast corners they have smooth inputs and he believes that the handling model is more simulation which for me is a massive tick. F1 2019 full game download seems like it might be a challenge back to career mode and overall not much has really changed if you discount the f2 Edition however I feel like code masters are onto something big here if they heavily invest in the story element more for 2020 career mode gets a 7.5 out of 10 for me.
Next we move on to the graphics of the game now I recorded this footage on my old generation Xbox one which you may notice occasionally doesn’t have the best processing power at time so I’d be lying if I said I was blown away by my individual experience however I have seen other pieces of gameplay and have been extremely impressed if you wanted that level of water then you’ll need to play the game on the PC with a rather expensive computer but the fact these graphics exist at all is a positive from me 8 out of 10 let’s talk a little bit about the actual handling and experience of driving the cars I mentioned briefly that I enjoyed the f2 experience.
Especially with the fact that this completely new challenge with its and the F1 2019 ova games cars are no different I found it much easier to pick up and play this year as opposed to last and felt like I was on the pace pretty much from the get-go I’m playing on the controller but have been given some Intel that the cars are more understeery this year on the wheel it’s more difficult to tell them the controllers you always steer to what the game allows you I personally found the cars rather enjoyable to drive so with that in mind I’m gonna give it an 8 out of 10, my enjoyment is everything when it comes to these ratings can you tell multiplayer we can’t comment on too much as it hasn’t been let loose to hundreds of thousands of players yet.
But I can see that there has been a decent sized effort to make multiplayer a reason to continue to play the game once you’ve finished career mode you have weekly events in a spec car which is an interesting concept it certainly is a challenge to drive and you will have to work hard to set the car up perfectly for each track you can earn competition points which you can then reward yourself with some customizable swag including liveries helmets and so on which is awesome although I feel like the introduction of microtransactions good cause riots I feel like the multiplayer is at a 7 out of 10 more and more layers to the experience of being added every year with things such as safety rating competition points etc but the issue is always the connectivity and online experience for players it always seems to struggle maybe this year is the year we don’t get wiped out by laggy Australians oh and before I forget they have an entire section dedicated just for f1 eSports I love that maybe I’ll see my face in that section one day maybe now I’ve been rather positive throughout most of this video regarding F1 2019 skidrow reloaded it seems like a decent game that continues to build year on yea.
As an enjoyable play but and I mean a big but I am concerned that this game isn’t different enough to last year I mentioned earlier about the career mode being pretty samey after the small f2 section they’ve added a small amount of flair but nowhere near enough if we were to strip back the brand-new HUD the 3 race f1 scenario mode and the tiny little changes here and there would we simply have f1 2018. I don’t know it’s food for thought for everyone watching who and never tably try out the game at some point I’ve not mentioned classic cars it’s not a huge amount has changed with them apart from the addition of a few they still integrated it into career mode which I find rather strange especially when you’re signed for Ferrari and then yourself and Vettel are driving the 2008 McLaren around Silverstone I’m not sure how that would be taken if it happened in real life .
Overall F1 2019 fitgirl repack gets a seven and a half out of 10 from me it’s probably nearer an 8 if you look at it without any previous knowledge of the other f1 games it’s a decent experience but as an avid f1 fan and gamer knowing where the game was twelve months ago I feel like not enough has changed to warrant a higher rating than this is a shame. if the storyline had really been nailed down and extended into career mode I would be singing from the hills about this game instead I started singing and didn’t even get to the chorus because the f2 career had already finished .
What do you think of the F1 2019 free download PC game and what you’ve seen let us know in the comment section below.

The Insurance Society of New York

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

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

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

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

Direwolf Fitgirl Repack Free Download

Direwolf Fitgirl Repack Free Download PC Game

Direwolf 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 Direwolf 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 Direwolf 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 Direwolf 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.

Direwolf for Android and iOS?

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

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How To download and Install Direwolf

Now to download and Install Direwolf 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 Direwolf on your PC.Now to download this awesome game scroll down and then click on the download.
  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 Direwolf Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.
Today I am working on a Direwolf free download PC Game, so last episode we totally got our Direwolf igg up and running here and it’s doing a great job so far like really really quite pleased with how well it’s working out not having any real issues with it yeah we’re just producing canola bunch of sludge on the side pretty spiffy we’ve got some canola seeds going on we got a lot of Direwolf itself. Being produced these guys are doing a pretty good job of maintaining themselves so I’m not too worried about it. I think everything’s gonna work out pretty well here we could speed up some of this plant growth but I’m not sure that we need it just yet I’m hoping that that’s enough canola to get us started right and not worry too much about it if we wanted to do something right like we could do we’ve got watering cans .
I actually made one between episodes that’s right is I made in hardened one just help speed things up there but we could totally do the things right like I think sprinklers may be a thing in this back yeah look the open block sprinkler is totally there that’s cool and then obviously some other you know plant-based growth thingies that help out you know maybe we’ll do something cool with foam craft no no I want to do something different and fun and in the series and I want to do things I haven’t done in a while so that’s kind of what we’re looking at for today. I’d like to look at getting the atomic Reconstructor up and running which should be about three miles clicks before we can make it oh look we can’t be that low on iron you can’t possibly be that low on iron I can’t be accurate can that be accurate there’s no way I’m that low on iron what weird on my iron go alright so to be fair I probably used a lot of it but that’s alright we can just handle this real quick we do that and then we give ourselves a little bit of boost in time and then suddenly we have lots of iron and I’m down with that.
Now it’s probably gonna wreck my energy which is probably a really bad idea right now but that’s okay we’ll be fine nobody panic how are we for coal I can totally grab a stack here and help boost this dude up so that should help just produce a little bit of power for us Hey look iron woohoo I was all prepared for that to be a lot easier than it was all right cool we’re gonna set up like the basic pressure plate system for for the atomic Reconstructor and then we’ll probably do a little bit more fancy automation with that very very soon but for now like a basic pressure plate equals you know this kind of thing yeah hundred percent that’s what’s up cool and and and this is also probably gonna be temporary right here.
Now that we find out that’s right flux flux talks do not connect to energy conduits so I should probably just remove all the energy conduits from my from my base situation here at some point but yeah so let’s see that should work do you want to be wood is that it I always forget what the different pressure plate holes are oh you know what now I know I remember now you need to be hit with a redstone torch to toggle you into pulse mode not disable mode there you go that works perfect easy-peasy alright so we’ve got our atomic Reconstructor up and running that’s nice and simple the other thing I’d like to do is get our Direwolf ocean of apk press.
Fermenting barrel going I’d like to get at least what we’re working towards is oil right so I’d like to get empowered oil right and that’s made by dropping and empowered canola seed into a source block of crystallized oil which is made by dropping a crystallized canola seed into a source block of oil and yadda yadda yadda right so that’s kind of the plan so empowered canola seeds are made like this with the empower.
Those ready to go crystallized canola seeds is just canola seeds dropped into an atomic Direwolf, so I think what we’re gonna do is set up a bunch of glass how are we for glass not terrible let’s put this stuff away I really just want glass and my chisel ability what would be a cool looking glass like that looks neat that’s pretty cool grey bordered is nice because it’s really just like a simple you know glass going on not too shabby I feel like that’s probably where I want to be with this bad boy all right I think that’s cool I think that works and I think what I’m gonna do is just clear out behind this wall here and what I’m gonna do is starting from this end and we’re gonna work our way across and we’re probably gonna use integrated dynamics to do a lot of the oil processing right so let’s clear out some stuff here we’re just gonna go that far with it right I didn’t really mean to do that but well fancy this up at some point now I’d rather not disrupt you buddy but you’re gonna be a hassle just the fact that you exist aren’t you man well I’m very glad for the fact that that cable wasn’t broken by my stuffs but I need to get wiring up there in a better way maybe I’ll rewire this so that it goes I got an idea how many more of these mossy stone brick facades do we got the applied energistics ones not the thermodynamics ones .
That might be enough and if it’s not we can get more how do we not have another one of those sort of quartz cutting knives oh no we do we do what are we cut in here aluminum I guess I could see aluminum not being used a lot right now let’s just get a handful more of these so I want this to look nice right so what if I instead all right and do we have any more smart cabling in here we do ray how’s that look not too shabby I like this this works for me right look darkness trying to keep it neat at least somewhat neat yeah I like that a lot actually now is that is that running or is that not running let’s find out are you connected up there did I do this right I did hooray good chop me all right fancy the fanciest of fancy look at that almost like I know what I’m doing I really don’t that’s cool and then let’s do Boop and building gadget knots copy paste where’s builder there you are thank you sir bill to me should work just fine for this I like it perfect all right that looks cool right I like that all right how are we for more of that mossy stuff we have 153 so that shouldn’t be too bad hey exchanger that should be cool and then let’s do this one for the floor yeah we’re totally gonna need that stuff that’s right we’ll figure that out in a minute so I’m thinking what we’ll do is first off we want to access the canola that’s over here right so let’s make sure that that’s up and run into a way that makes some someone’s of sense.
I wouldn’t mind accessing the sheep farm that’s over there either so how’s my cabling looking could I get like 50 of you I apparently can well that’s nice that’s super handy and what I’d like is a storage bus all right and I think that should totally be a pattern that we know how to make right now do we know how to make sticky pistons we don’t right okay but slime blocks we should have a bunch of slime blocks okay so let’s make sure that you also know how to make sticky pistons with slime there you are sir so storage bus you should have no problem making that as soon as you’re done that’s right I need more crafting Direwolf fitgirl repack, it’s gonna be a hassle but yeah we’ll get there we’ll get there I’m not too worried about it that’s just it to-do item for me so that should be relatively easy to make nice okay cool uh you know give me two of them give me two of them that sounds like a pretty nice nice thing to have to oh because we’re gonna want one for the wall yeah I’m thinking thinking so we have a drawer controller over there I feel like we probably should I feel like a drawer controller is probably not a bad idea let’s do that draw a controller to it you cool and then we just need a drawer killing me okay door controller looking good sweet alright let’s sleep through this night so that we can go set this up out there in a reasonably intelligible way [Music] because what I’d probably like to do is just have the wool be over here right I think that’s a smart thanks buddy thanks for being there all right that one’s out of range now we have a rough idea of what our range looks like so let’s move this drawer to over here right and I think the easiest probably way to do that would be just make another drawer and pop him here nope here and then we can have a door control ordinance yeah I think a door controller sounds smart ish that looks cool okay and we’ll lock this dude up right this guy and then your job will be to on item conduit Inge this way insert and what that should do is then extract the wall that’s in there and put it in there and we should be cool with that yep works for me perfect okay now the only other piece we’re gonna want for this is we only need the one external bus dude now I want the external storage bus but I want to help you up maybe I shared is that a problem yeah it’s kind of a problem realistically I’ll put it I’ll put like a cover on this or something how’s that sound okay and then you can get the external storage bus and then are my cables done yep and then we’ll just find a way into our basement we under our basement yeah roughly hey there we go hello basement how you doing so that’s where I’m at okay I know where I’m at yeah look there’s my cabling nice alright so I can just run this over here I should really consider destroying morph in this pack and this should work right at least for now until we you know get into whole like p2p and all that nonsense yeah.
let’s just bring it down one level I think that’s fine that’s cool right and then what we should have available to us now is the canola and the wool that we have in here nice okay cool that looks good and I think now might be as good a time as any to either avoid upgrades in there I don’t know if it’s necessary I’m gonna say it’s not necessary to put Boyd upgrades in there, at this moment now why don’t have a drawer that’s weird I don’t remember putting tape on you right I didn’t put tape on him did I I don’t think so Oh we’ll figure it out all right that’s got that going so the Direwolf is now available to our system right.So what we’d also now like is an export bus which I should teach how to make because those things are always super handy thank you sir shouldn’t be too bad the craft we just have to wait for the logic processor not a big deal so let’s go downstairs and set this up right so we’re gonna want fluid ducts right or fluid pressurized fluid conduits right we make more of you we just need more quartz glass which means a little bit more quartz which we can throw in our alloys smeltery to make that happen we can even make it happen a little bit faster if we wanted to because we’re impatient thanks buddy and then I’m thinking some tanks yeah we’ll see we’ll see now I don’t know if it how much I want to do integrated dynamics here .
We definitely want to do some but we have to figure out how that’s gonna work right I’m just gonna figure out how I want to do integrated dynamic so I haven’t entirely decided that because one thing with integrated dynamics if we want to do the world interaction stuff like we’re old block importer world fluid importer all this stuff all requires logic directors which part has crystallised coerced chunks which are made in a mechanical squeezer from popped chorus route which is probably a little bit of a hassle concerning we haven’t been to the end yet now we can get that from deep bob learning a little bit if we wanted to get into that that’s one approach um aside from that I don’t know if there’s any cool way to get chorus route right no sneaky interesting ways to get chorus route honestly besides going to the end obviously yeah so I think I think that’s definitely gated by the end unless I get into deep mob learning and we haven’t been to the end yet obviously so I don’t know my mean.
 That was all on Direwolf fitgirl repack free download PC Game any question related to Direwolf fitgirl repack then feel free to ask down below in the comment section.Also if you like this article then feel free to share it with your friends.

The Insurance Society of New York

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

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

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

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

Divinia Chronicles Relics of Gan-Ti Fitgirl Repack

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Download Divinia Chronicles Relics of Gan-Ti 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 Divinia Chronicles Relics of Gan-Ti 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.

Divinia Chronicles Relics of Gan-Ti for Android and iOS?

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How To download and Install Divinia Chronicles Relics of Gan-Ti

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TROUBLESHOOTING Divinia Chronicles Relics of Gan-Ti Download

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Divinia Chronicles Relics of Gan-Ti free Download PC Game

Divinia Chronicles Relics of Gan-Ti free download PC game is an awesome action game before you download this awesome game let me tell you gameplay and a honest review on Divinia Chronicles Relics of Gan-Ti.

Divinia Chronicles Relics of Gan-Ti download of gone key and this is an RPG inspired by the old classic super nes games and we’re going to go ahead and take a look at this RPG and see if it’s worth your 1499 in american money and we’ll do that right after this you.That’s how you say it I’m not sure hopefully that’s right but this isn’t early access RPG looks to be pretty cool we’re going to go ahead and lowers music volume for sure nor the game volume I’m you guys can hear my voice and a video yep screen .I should work why some of these games always default to such a ah that looks so much better now this is a single player game .I don’t know why it says multiplayer here but attack mouse button one block right mouse button evade is alt combat focus tab spell one two and three zoom in and out is a mouse wheel so evade is all huh okay interesting wonder if I can change.

That because I’m not really liking that Divinia Chronicles Relics of Gan-Ti igg games they don’t have like cutie set to anything huh let’s go ahead and change that here because all this kind of hard for me to get here I’m like let’s go cue and we have another one there we needed combat focus let’s make that check ki f ok so now combat focus is an F and a vide is Divinia Chronicles Relics of Gan-Ti 2019 .

Alright let’s go ahead and jump into this game and try this game out chapter a new start difficulty normal that sounds fine level one sure hopefully I didn’t set the resolution too big so everything’s up in the top left now hopefully it fills the screen here we go alright long time ago when civilizations were still great in the world was full of technology ancient Lords looked into legends of a powerful force believed to be the origin of life they called this God though modern civilizations know it as davinia the ancient sought to utilize gone as a weapon in doing so the perverse intentions spawned the malagant ghanti or anti-life infusing gone T and artifacts the ancient King he’s the dark power to rule the pandaren arch peligo with iron fists alright a pretty game cute eventually rebellion arose and the order of the arch t vs formed of the most noble warriors to the free people they managed to capture the relics of Gandhi and cast them into the fiery pits of Mount Tsui asst on the island of Oria with the evil power of the relic suppress the monsters that terrorize the countryside were vanquished and the evil Lords were overthrown peace had come well we know that’s not the end of it none dared venture to the mount.

In the following years and tales of Terror arose around the ominous peak the order of arch keepers withdrew and became a legend itself and though none knew of its origins people began to hear word of a mystical gone Grove within the world with a World Tree at its centre a symbol of peace and prosperity ooh that sword yet the wises have always been watching fearful of an eruption at Mount su vyas to release the relics can the world withstand the return of such evil it can if I’m playing by God or you be sure to chase you guys want to get this game be sure you check out the description below I will have a link right to this team page where you can buy this game again it’s 1499 and American money.There is no discount its first week on Steam and again this is an early access game so expect bugs expect it to be you know not complete a new chapter is about to be ready all right now there’s a good thing about this game the thing that really sold me was not only art style the graphics but also the fact that it is not an online requirement you don’t have to be connected online to play the game it is a single player game and hopefully it’s a good RPG we’ll find out.

Hopefully that’s what this video will start to find out and if you guys want to see me play the whole game threw it out to the end definitely leave in the comments below let me know what you want you know what you want to see if I make a mistake if I do something wrong I do it a lot of these games you know I don’t make the wisest choice or whatever I take a path that maybe I should have taken let me know you know let me know if I don’t have the best item equipped whatever it is all right now it’s the little village not too big looks a little bit smaller than New York City just a little bit i could probably skip all this but i’m gonna go ahead with the gameplay is that me that’s not me where am I I must be this soldier dude over here it’s a nice day right better here watching a past and working on the farm good thing your grandpa takes long naps uh okay all right I guess it’s a nice view Lloyd but what I would give to be out there seeing the rest of Orient’s that are being holed up in math and I wonder what the inside of the castle oreck looks like maybe your grandpa can take us one day.

My mom told me to my mom told me the watch captain would visit him when she was little really he never told me anything like that I thought he was just a farmer yeah whoa wait Cyrus cuz what do you think you two are doing sorry my girls voice is not the bad guys um we’re on break from work Leona yeah mom what Cyrus said oh that’s mom okay as if I can hear your grandpa calling you from here ah man I’m in for it now catch you later Lloyd I hope you don’t get whipped.Cyrus go see your grandfather all right so we got a first quest find her grandfather looks like tutorial movement WASD gamepad I don’t need a gamepad torial to camera Mouse will and you can use the gamepad if you guys want to using a troller tutorial jump space and user talk as e ok all I can kind of see how I’m see-through if I’m too close to school I like that I got 30 health points by whatever your name is oh I like the movement nice yeah joe yeah what else did .

I want to try this a veto of a don’t work all right hi mom yeah how are you mom Cyrus I can hear the voice of your grandpa through the cave it must be something important we grandpa get you nothing with the mushrooms hey grandpa hell I’ll look at that dust grandpa where are you you old man Gramps ok Gramps mathan or is it muffin i would say mathan am can jump up there yay oh I can’t use the pumpkin all right let’s find grandpa he’s got to be in here grandpa you getting drunk again I’m really sorry I was slacking grandpa so there is I’ve had you most of your life I’ve always been patient with you my boy but you’re too but you’re far too old to be dabbling carelessly when, there’s work to be done the time has truly come for you to grow up what do you mean well no I don’t suppose well perhaps it’s best.

Take the little trip and I show you but first you’ll need to get something for me return to town and find elder Daniel tell them I said the time has come huh all will be clear in due time a boy don’t dawdle and don’t get Lloyd on the way this is for you alone Cyrus get your budget town and find elder Divinia Chronicles Relics of Gan-Ti all right another new quest mission as we might say well no I don’t suppose well perhaps it’s best we take a little trip and I show you but first you’ll need to get something for me return to town and fight an elder Daniel tell them why I said the time has come I’ll be clear in due time a boy all right RPGs you can usually get crap but I can’t see anything that I can get yet all right well I guess town is back through the tunnel huh we jump the sign nope you do you do there’s a sound let pass through the tunnel it’s like a roar don’t get Lloyd he said hi chickens hey chickens yeah that’s cool I was wondering if they do that it freaking out that’s awesome all right hey I’ll grab stick told me not clothed chickens to is Lloyd in here I’m just I’m not Lloyd but uh whoever Daniel there’s really nothing to show you where to go I actually like that I actually like the fact it doesn’t have arrows telling you where to go you kind of got to explore and find things so many of these RPGs.

Nowadays they like show you or have a you know glowing path right where you need to go or whatever and yeah mom do you know where that no I guess the look you’re a big help mom under this oak has life grown a new episode free to sit down nope Daniel where are you Divinia Chronicles Relics of Gan-Ti fitgirl.Right here these doors are locked it’s probably more obvious than what I’m try to make it probably more obvious than what I’m trying to make it guys probably back here something yeah that’s probably him right there brother Daniel or whoever you are you got your brother Daniel you know you can’t leave the village Cyrus you have no business anywhere but here well that’s not him out of there ah brother Daniel terrace don’t you want some help sometime every time I see you’re not doing anything useful .

If you’re not brother Daniel I remember the hell I’m looking for damn it Beavis right aha must be an eerie up another old man my leaves look at that boy goofing off again come here brother Daniel or whoever you are something Daniel Oh what do you want now boy do you and Lloyd cook it up another foolish story of a two-headed rooster terrorizing your farm oh come on you didn’t find that funny huh yes not ok ok my grandpa sent me here to tell you the time has come or something what’s that supposed to mean oh oh well well you had better hurry then hurry for what into hollers quarter grandpa’s wet terrace I was only a little older than you when your grandfather showed up with his title to the fields on the other side of the tunnel which he turned into his farm the elder at the time was bilking and he made it clear that none of us should ask any questions about who he was or where he came from only after i became elder that old Halldor come to me and divulge his identity his identity what are you talking about perhaps I speak too much into the corridor bo.

I’m told there’s at least one puzzle in there to test your wits ah you’re not gonna give me a sword or nothing you’ll bastard the hell loading huh I do like the art style of this game in the controls and everything like that work great I mean wasd e and moving the mouse to turn pretty simple use nothing Oh puzzle here we go buttons good okay wait a minute here hmm jump jump well poop that’s not it wait a minute okay so we got our torches that’s a clue that’s not right oops okay so this one first then that one nope that turned it all off get this one then this one damn it this one this one got to be this one here we go oh you piece of crap this one this one this one this one there we go first puzzle solved hopefully they don’t get a hell of a lot more difficult or I’ll be stuck there for like three hours ooh look at the rock over that floating kind of jump on it zacks through 99 quit being silly you know you can’t jump on that but I can cross this path it’s over here look how party that is people all right I wonder if I can fall off I’m gonna try falling off days oh I can’t fall off that’s cool okay we ought you’d love I’ll let you fall a little bit more no fine fall through the clouds before I die I’m disappointed I’m gonna refund this game.

I’m just kidding people all right so what’s the point of all this like a maze a labyrinth nothing up here huh ok go this way then ooh what’s over here besides the sofa to selling it’s an interesting park bench all right which way now no not that way not that way either oh where do I go do I have to jump yeah nope well crud a lot.

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The Insurance Society of New York

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

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

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

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

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Download Tools Up! 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 Tools Up! 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.

Tools Up! for Android and iOS?Tools Up! Fitgirl

Yes you can download Tools Up! on your Android and iOS platform and again they are also free to download.

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TROUBLESHOOTING Tools Up! Download

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Tools Up! download: Hey are you looking to play with friends locally maybe wanting something a bit more offline you know focused on the couch well we’re here to give you 10 of our favorite local couch co-op games of all time now there are plenty more out there these are just our favorites so we’re looking forward to hearing yours in the comments also know that we stuck to more modern games older more retro games we might cover in another video down the line but hey anyway let’s get started off with number 10 and talk about the Gears of War series.You know the whole thing may be notably 2 & 4 depending on your tastes really gear zuv wars defining third-person gameplay was really really good for playing with friends you know like I said I don’t need to call out any games local co-op in particular I’d say – and more recently for especially come to mind though but really Gears of War systems of shooting cover and reviving especially really complement playing together especially with a nice split-screen implementation Gears hasn’t never really been a very vertical game and having chunky beefy characters meant everyone had decent enough screen real estate and I know that sounds silly but it made all the difference when you had a very small TV .
Just really props to the games in general for making sure to have a well-done drop in drop out co-op campaign every time loved it for that and then once horde mode was introduced hell yeah man but next at number 9 let’s talk about the borderlands games.
Another serious Tools Up! fitgirl repack pre sequel all of them Borderlands is probably one of the best co-op shooters out there playing Borderlands was basically like the same as chilling in a chat room with some friends except you were also shooting psychos and collecting really cool guns I honestly think that’s what made Borderlands so cool the fact that it was a social experience online and it paved the way for games like destiny not just in terms of gameplay but also just how it acts as like a hangout games like Borderlands destiny in the division where you’re kind of just doing the same thing over and over again and grinding kind of forces you to get into a routine like to the point.Where you can run certain things with your eyes closed the borderland games have that same appeal but why we’re talking about them is the added benefit of doing it on the couch as long as both of you are avid Borderlands players you can sit down on a couch and play for hours and hours while also being able to just kind of Yap and eat chips and talk about whatever so many games now are about the thrill of the grind whether you like it or not but border was the one to keep that on the couch and we appreciate that local stuff now exit number eight if we’re talking about entire series that lend themselves well to couch co-op online stuff.
We got to mention the Lego game some of each one whatever franchise it’s based on bring something new to the table and they’re just fun simple games that have a little something for everyone Lego Harry Potter is cool Lego Indiana Jones was a good time and the newer DC Lego stuff is fun and innovating with character creation the Marvel stuff lets you play as a million Tools Up! torrent download characters but goddamn when you mention a lego game you know you’re really talking about Lego Star Wars the swapping characters on the fly using your specific abilities to help one another going around smashing bricks like crazy they’re just using blasters and lightsabers to kill each other the Lego games are all so fun with friends maybe even a younger friend if you have one they have just such a good balance of goofy jumpy floaty light-hearted fun with a little bit of light puzzle and problem solving and a bunch of chaos thrown in and that’s just best experience with someone else dropping in on the couch whether it’s spider-man and Wolverine Jurassic Park characters Hermione and Ron or Anakin and Padme it was always just a really damn good time and believe it or not most of them have actually aged pretty well too next up in number 7 we have Resident Evil 5.
Now while it is the game that started to change the series more into that like hall action game thing less of a survival horror game it was still a solid entry for a lot of folks one of the things that made it really cool though was the fact that the whole game could be played in co-op the game was built with co-op in mind like the scenarios where Chris and Sheva got separated you can tell the devs had caught up in mind when making this game I’d go as far as to say that this game is better played through co-op I’ve run through the campaign so many so many times because it’s just a really good one you think the tension of survival horror anxiety would evaporate in a game that takes place mostly during the day and you’re not alone you got your friend with you but still they nailed it .
You get overwhelmed items would be scarce and it just all worked if you’ve never ran through this with a friend you definitely still should especially for that over-the-top ridiculous ending now next at number 6 let’s talk about army of – this was a very very 360/ps3 era game this 2008 co-op heavy third shooter let you jump into the boots of too chunky smack-talking mercenaries and it was just so so fun Salem and Rios are still awesome the premise was simple just good old-fashioned third-person shooting action shoot terrorists as two heavily armed dudes with scary masks the game was actually pretty creative and how you played together there was a fist pump high-five button you could go back-to-back and spin around shooting up an entire room and the agro system the game was heavily focused on one character playing aggressively to draw all the heat towards his direction while the other character could get strategic and reposition it was a really really fun. Mechanic believe it or not and that let you and a friend really talk through your play experience instead of just blindly endlessly shooting a little communication goes a long way and while it’s still a guns blazing game brewing through the creative team up additions here made the game that much better also don’t play the third one that wasn’t very good now coming in at number five we had Helldivers for those that may not know Helldivers is a top-down twin-stick shooter where you play as cool-looking stormtrooper looking dudes whose jobs it is to murder bad aliens I promise that’s that’s the best way to describe it what’s really interesting though about Helldivers is how the couch co-op works yeah there’s your basic couch co-op like two people sitting on a couch playing on the console but Helldivers did something that was pretty cool on ps4 Helldivers was cross-platform with the Vita shout-out to the Vita rest in peace so you could be sitting on the couch playing Helldivers with a friend sitting next to you on their Vita .
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The Insurance Society of New York

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

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

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

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