Survival Camp Free Download PC game

Survival Camp Fitgirl Repack Free Download PC Game

Survival Camp 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 Survival Camp 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 Survival Camp 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 Survival Camp 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.

Survival Camp for Android and iOS?

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

Also Read:

How To download and Install Survival Camp

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

TROUBLESHOOTING Survival Camp Download

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Survival Camp Review ,Walkthrough and Gameplay

What’s up guys my name is ESO and welcome back to the Survival Camp free download PC game, where we review creation club content so you can decide whether or not you want to spend your hard-earned cash on this content or not I’ve also got a playlist linked down below in the description where you can find all my reviews of the other stuff on the creative Club if you guys are interested but for .Now we’re going to look at the camping mod to start off with make Survival Camp igg games that much more accommodating with this cozy movable campsite complete with an area for sleeping a campfire for warmth and some cooking and also a new fast travel map marker I guess wherever you place your campsite so we don’t accidentally lose our campsite like we always lose Lydia now before we get into this.

I just want to go over to gameplay and show you this survival mode I’ve already done a complete review and analysis of survival mode and exactly how it works but in my opinion this camping mod belongs in the survival mode Survival Camp ocean of games .If one wasn’t ready before the other they should have waited and released them together as one thing I feel like camping is a core mechanic that belongs in the survival mode survival mode is $5.00 and camping is free dollars so it’s going to cost you seven dollars for what I think is a complete survival mode package and they should just be in one in my opinion and you might be thinking well ear so what happens Survival Camp torrent.

I don’t want survival mode but I just want to camp or to be honest you can still download it and then turn survival mode off I think that’s what people are looking for from the creation Club they want completes packages with everything you expect a survival mode to be and that should include camping now it’s worth noting before we get into this that there is already a free camping mod on the ps4 and the Xbox one originally the issue was that the campfire in these mods did not warm you up on survival mode but there’s actually a free mod that fixes this.Anyway either way now we have Bethesda’s version of the camping mod right so let’s go ahead and craft or camp site camping supply so it has a weight or nine it requires free firewood and two leather do you want to create yes okay so I’ve got a tent Survival Camp fitgirl repack.

I guess I’m gonna set up my tent in the middle of white room come Lydia build campsite here okay yes oh okay so it’s going black and there’s actually an animation for us building the camp site slightly the camp site allows you to rest and stay warm while exploring the wilderness you can cook a limited number of mirrors actually this looks retarded let’s go outside and do this again so of course as you do you find the perfect picturesque location to pitch your campsite this is actually the Survival Camp pc download retreat there’s a little guy just chilling out down there by the rocks on his own it’s a little bit suicidal I’m not sure.

But anyway I’m gonna put my camp site where do I want it I want to put it just here on the rocks actually so let’s get our camp site out now actually made a few of these build camp site here yes it actually uses it up once you use it which is quite an interesting mechanic because it means you actually have to carry around a few of them with you okay so here we are my camp site is built and oh my god it looks so good right now with this view of Solitude so what do we have here we have a crate a sideways crate that we can sit on okay now sadly there’s not actually one for my follower it’s just me and usually you know most people bring followers with them there’s a campfire and there’s also obviously a shelter I can sleep I can break the camp Survival Camp fitgirl repack.

I can cancel it’s quite cool that they have a map here though that’s quite a nice touch though I mean you know I don’t the textures around this campsite are a bit kind of like sharp on me cut off it doesn’t look very polished in a sense though the way this sits on the ground is pretty cool. I like that so the campfire here let’s use this and I can actually cook food here which is very useful for survival mode sadly though. I cannot cook soups because we don’t have a pot above our campfire it’s a bit disappointing they didn’t include the pot because soups are Survival Camp free download so valuable in survival mode but I guess you know you need to prepare that before you head out so obviously I can sleep here and I mean there’s a campsite isn’t it it’s very simple what you get for free dollars I mean you get one dollar per object.

I guess and you can also break the camp which obviously removes it are you sure you want to break the camp yes actually no I don’t want to do that yeah let’s have a look on the map so you can see I have a campsite location just here what I want to try and do is build a campsite in another location and see if the previous campsite disappears Lydia is really excited about this camp sigh oh my god okay so we’ve got two campsites now and as you can see I can fast travel to this campsite and I can also fast travel back to my old campsite.Oh no icon is disappeared okay so if you build a new campsite your old one will just disappear.

I thought I’d be able to fast travel between them okay you can’t do that so another thing I can do is break the camp if you guys look right now I have two camping supplies left if I break this yes all that happens is I basically destroy my own campsite the guy’s disappeared I already know why they had that fade to black animation and I only have two left see you so these are actually consumable camp supplies you use it and then it just disappears we’re just kind of like not accurate to how it would be in real life really if you had a camping supply so you actually have to think about this when you go out adventuring you have to go and make your own camp maybe bring two campsites with you before you head off so you can actually stop along the way and maybe cook some food Survival Camp free download.

I mean it’s a cool idea and I like it because you can’t fast travel in survival mode but the thing is this is definitely for survival mode I mean unless you’re role-playing you’re never actually going to use it in the normal vanilla Skyrim game I don’t think unless you just want to have a permanent campsite in a cool location that you can fast travel to at the top of a mountain or something but apart from that I don’t think you’d ever use it which is why I think it’s really important that this should have just been a part of survival mode in the beginning I don’t think it’s bad or anything I just think why not include it in survival mode you know so one last thing I’m gonna try is going into a cave and seeing if we can camp inside the cave oh wow that side dodged there what is this troll ridiculous dodging skills okay so I can wait here I’m just gonna put my camp site on right here in this cave you cannot build camp sites while indoors okay so even in a long dungeon you can’t like sell camp in the dungeon and you know sleep and eat and so on I just want to double-check if you could do that.

I think it would be kind of cool if you could so my closing thoughts on the camp site mod you can get better versions of this for free and I have made a video already which I suggest you guys check out but because it’s the top 10 best survival mods for the ultimate survival experience this camp site mod isn’t bad I just think there are better things for paying money for it.I also think it should have been included in the original survival mode now let’s take a look at the four dollar adventurers backpack.Now this one was actually made by fading signal who is quite well known on Nexus don’t head off into the wilderness without your adventurers backpack craft 16 variations with assorted effects right and there is indeed a whole different variety of backpacks you can make with smort I’m actually quite excited for this one I know the fool out version of this mod added little boost your character so I’m quite interested to see how this works and what it’s like I’m going to use the blacksmithing station outside my new house mod I actually reviewed this one yesterday it’s actually pretty cool I liked it a lot so here we go blacksmithing I assume is going to be a miscellanea adventurers backpack which increases my carrying capacity by 75 points.

It increases my stamina by 20 points and we also have a same version it’s just got a bedroll underneath it I don’t know what the bedrug does apart from costing one more leather and looking a bit cooler I will look if it has any purpose in a moment there’s also a dark leather backpack a fine leather backpack each one has a version with a bedroll a fur backpack this looks pretty spicy actually and a hunter’s backpack which has a hag Ravens head a water bottle a torch dagger and a rope there everything you need for hunting and it also makes bows do 10% more damage which sounds like the best kind of backpack to be honest the lantern is a free mod I haven’t stole not part of this mod a just a normal leather backpack ok the mage backpack this one looks pretty fancy as well and it gives us another 20 points of Survival Camp free download the thief’s backpack which kit makes lock-picking 15% easier okay well I think the mage backpack is obviously the best if you’re a mage and then the hunter backpack is easily the best of you’re using a bow and then you have the adventurer backpack if you want that extra 20 stamina because you’re playing a warrior.

I’m gonna go with the hunter backpack and it’s gonna give me 75 more carrying capacity which is again really useful in survival mode so the bedroll doesn’t actually do anything it clips through my bow which is kind of annoying those forgivable I mean it looks cool doesn’t it I mean I’ve actually got a mod that changes where my arrows are but even if they were in the normal place it would look a bit weird maybe .

I’m not sure I guess it’s okay it’s just a backpack mod the thing is there are other backpack mods that are as cool as this one and they’re free so that’s the thing it’s hard to recommend it though this one is very complete in that it has lots of different backpacks that also give you more stats as well I think the issue is always going to be you have things like the hearth fire downloadable content and right now you can get that for literally around five or six dollars and then you have this backpack and it’s four dollars and it’s kind of like how can you sort of compare the value for money there and that’s what people are doing and I think that’s why you know this just isn’t going to work unless they make it more valuable for example why not have all of the unique weapons from oblivion like have a mod pack which is just all of the unique swords from oblivion and all of the unique bows from oblivion as a separate one and then make that into something people will buy that you know .

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

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

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

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

Airport CEO Alpha 33.50-0 Download

Airport CEO Alpha 33.50-0 Fitgirl Repack Free Download PC Game

Airport CEO Alpha 33.50-0 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 Airport CEO Alpha 33.50-0 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 Airport CEO Alpha 33.50-0 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 Airport CEO Alpha 33.50-0 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.

Airport CEO Alpha 33.50-0 for Android and iOS?

Yes you can download Airport CEO Alpha 33.50-0 on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Airport CEO Alpha 33.50-0

Now to download and Install Airport CEO Alpha 33.50-0 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 Airport CEO Alpha 33.50-0 on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Airport CEO Alpha 33.50-0 Download

Screenshots  (Tap To Enlarge)

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

Airport CEO Alpha 33.50-0 Review ,Walkthrough and Gameplay

Hi guys I’m Airport CEO Alpha 33.50-0 download and welcome to my opinionated facts at a view of a port CEO this game is absolutely amazing it is an airport simulator game in which you plan build manage a fairly complex Airport system it’s got elements that would be very similar to for those similar look.Feel for those that have played some Airport but it is tremendously much more complex those elements that are gonna be similar or something like the flight scheduling you know this kind of thing you would have seen in a port at some Airport but it is so much more complex you really plan.Manage absolutely everything from your check-in to your security to your standard range mints.Your flight scheduling you’ve got both the option of commercial flights.We’ll get when it gets day you’ll see some flights coming from a commercial airlines to general aviation just people parking .Refueling you plan on your taxiways complex arrangements to get taxiways to work.Reduce the conflict between between aircrafts you’ve got the land side aspect of a row of people coming to be dropped off using the bus.

So on you’ve got your stuff to be managed the various types of stuff categories that you require this is really a lot we’ve got a port Airport CEO Alpha 33.50-0 download of security janitors service technicians ramp agents franchisee DAF CF o CI o CRO .The rest of the board kind of board members the Big B guns you’ve got obviously baggage handling a very complex baggage handling system this one doesn’t look too complex let’s go up here it doesn’t look that complex but it is quite complex it’s got scanners and different types of scanners Airport CEO Alpha 33.50-0 update download.

I haven’t even got through everything yet if I have a quick look over here there are a variety of things baggage handling service conveyor belts types of swirl tilt rice generic bag scan.Specific baggage scanners baggage scanning stations shop upgrades food franchise refueling services really a complex and deep game you could really have to plan out everything we’ve got people hanging around over here we’ve got people coming to check-in for flights so it’s starting to get early morning so people are starting to check in for the early morning flights going going through chicken and three security.So on okay so really really it’s it’s very detailed very complex but in a good way absolutely in a good way.

So what’s good about this game it’s deep and complex and you can really plan .Manage almost every aspect of it you can say whether of this airport this security station overhears for passengers only you build a queue you link it to various or well it’s linked to various stands this one over here is for employees only so you have to even deal with the complexity of making sure that your staff can get from the secure zone to the non secure zone you’ve got various areas in terms of secure staff bathroom food shops baggage claim areas etc lots of lots to manage there so really really you can really manage almost every aspect how we manage with with bags how we do refuelling all of those kind of things really really really really beep okay it is very challenging but it is also very addictive I just love it off since the launch of this game I have not been able to put it down.I’ve just been constantly seeing ok how am I gonna improve this how am I gonna improve that now I’m gonna get more flight schedule let’s see when our first flights gonna start to arrive we’re gonna see some flights that iving really soon when when how am I gonna get this to work all this the travel distance to this runway is a problem the interaction on the taxiway over here is a problem how can I improve that how can i it’s just a constant it’s just so addictive I just want to keep keep improving things mod support seems to be in the cards.Though you might might think that ok.

Ao once you’ve built an airport.,it works what do you do from there apart from the fact that it’s taken me all of I don’t know 10 hours to get to this point where I am over here on this game you might be thinking well so once you’ve build it.It works what’s gonna go for where are you gonna go from there well mod support seems to be on the cards the Airport CEO Alpha 33.50-0 igg games are very passionate.Active about it I see so much potential this game can go into so many directions you can go into kind of large commercial flights you can do waste transfer services can we manage a transfer Airport where you transfer from one flight to another can you Airport CEO Alpha 33.50-0 fitgirl repack on your own airline is that’s something that we can can add to this I disguise really the limit here where’s the lounges can we build some lounges well this just I can’t even think of everything but the sky is really the limit too in terms of the world of airports so really I am I’m quite quite keen on on seeing where it goes – and once mod support comes in that would just be great.Then what’s next many many many many many hours of gameplay is already available in its current form its early access and there’s still many elements that’s not quite there so if I go to this flight planner right and let’s say we want to reschedule this bad boy I can’t reschedule that because this is not been developed yet but I mean so there’s small little things that’s not there yet but the promise of all that is there.I think we’ll we’re gonna see lots of that okay I think we’re gonna have a flight coming any time now we’ll keep an eye out for it so definitely it’s already in its current shape and form it’s got many hours of gameplay I’m nowhere close to finished with this Airport so I believe we’ll still see many many hours more before this Airport is done in my mind if it can ever be done so definitely many hours of gameplay already available so definitely worth the price it is on Steam for at the moment I think it’s sixteen dollars or something like that so definitely uh we had a plan big plan coming in here okay so then yeah then there is also the promise of big data while I haven’t yet seen it in the game right there’s obviously budgets.

Things like that we’ve got loans that we can work with and what else do we have over here contracts we’ve got various contracts we can procure various things.One of the things you can procure over here is the trial scanner which is haven’t get done longing for more data more inside the system if you trial scanner allows you to track in the review in the real time where the targeted persons has been docket ravel document scanner so are we gonna actually see Immigration and Customs.Those kind of services being added I just can’t wait to see where that goes then there’s this thing about mind reader where you can see more over the needs of your people to kind of get the writing.Let me put it over here so there’s an airport the writing of 75% passengers are 100% happy but airlines are not quite happy yet.I’m not sure if this is fully implemented yet but certainly airlines and general aviation happiness we need to obviously see what I require.So on the economy this is just part of the loans.The contracts you’ve got stuff you’ve got operations various types of services that you offer.Don’t offer you can see the scheduling lights.So on I mean various schedules that you can do you can manage job tasks construction all of those kind of things you can do they’ve got some tutorials in there which is kind of basic but it but it works okay so let’s see how these guys are disembarking over here there you go big aircraft just come in and it’s disembarking so yeah lots of data I believe available I have a get to I’m yet to kind of look for some more data. I want to see some more.

I mean how many flights but however how many you know what are the service times those kind of things. I’m hoping that’s in there there’s a promise of big data but we’ll definitely see the Dave’s definitely deem it to be very important .So we’ll see how that goes but definitely the promise is there so what is bad about this game to be honest nothing really I don’t think there’s anything that is really bad about this game I don’t can’t think of much it has it’s got a steep learning curve right so if so that’s different it’s going to take you time to be able to do this but I don’t need to see Lee see. That it really is being bad some people might think it is bad.Then there are still there are still a few bugs in this game that can be quite frustrating vehicle poor thing is is a bit frustrating at the moment you can’t do a one-way operation these guys get stuck from time to time I think I’ve got it sorted in this Airport but it is it is it’s a challenge at the moment then I’ve got this guys this guy stuck on the stand for days now not leaving so that’s a bug all the other stands work it’s just this one over here.I think that’s got to do with some kind of bug in the baggage claim system or baggage loading system so your baggage operation is underway here.

I think that blind got stuck in some kind of glitch of baggage operation.Now it’s there so they are still bugs that all can be very frustrating.The other thing is the baggage the baggage system oh look at that look at that look at that this one scan didn’t clear security didn’t clear security and annihilated bag. I light it very cool very quirky very funny but yeah so the the baggage claim system is quite quite challenging and buggy also still but I believe they will sort all of that out nothing none of that is even in the in the in the update that came just a few hours of the release there was major improvements in the baggage claim and the baggage managing system so definitely very good and I’m not thinking the bad is gonna be bad for very long okay so the verdict it is really a superb superb simulation game if you are the kind of person that loves tycoon games this is an absolutely must have go get it now support the devs get this game now you will love it you will spend hours playing it you you will lose a lot of time in your life playing this game it is absolutely superb one of the base tycoon games I’ve ever seen well thought out lots of detail . just can’t wait to see where it goes so yeah and I think it is absolutely great value for money on top of that so guys that’s been my review of airport CEO if you have any questions leave them in the comments below I’ve played many many hours and I’ve dealt with many little things so if you have any questions please leave them down below I will try.

 

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

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

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

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

No Time V0.345 Download Update

No Time V0.345 Fitgirl Repack Free Download PC Game

No Time V0.345 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 No Time V0.345 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 No Time V0.345 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 No Time V0.345 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.

No Time V0.345 for Android and iOS?

Yes you can download No Time V0.345 on your Android and iOS platform and again they are also free to download.

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How To download and Install No Time V0.345

Now to download and Install No Time V0.345 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 No Time V0.345 on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Everreach Project Eden Download

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

No Time V0.345 Review ,Walkthrough and Gameplay

that’s me the music changed hello me uh what are you doing here what are you doing here why I actually don’t know what you’re doing here huh this is weird right no no what oh god what did i do today then I break everything Oh buggers that’s something I would say what the hell [Music] how’s it going guys Dre here.Welcome back to my beautiful DeLorean in no time today we’re going to do a little bit of the main questline the reason for that is I know there’s a new invention in this game.We do not have to rely on uranium to time-travel so I’m hoping we can unlock that via the main questline I’m not sure certain if that’s how you actually unlock it or not.But I thought we would check out the main questline anyways because it looks good.Now I definitely do want to do more of the accordion man as well if we have time we’ll do that today if not we will definitely be doing that in the future because we did get pretty deep into that sub quest line.It’s really really cool.But if this is your first time stopping here .You don’t really know what you’re looking at you’re basically looking at back to the future of the game yeah it’s called no time.It’s literally a time-traveling game where you can go anywhere from No Time V0.345 igg games now at the start we’re at the present time of 1984 what we have to do right now is go to 2014 because that’s what the my journals tells me to do so we’re gonna go do that.See good old doc basically I think his name is Edward in this game or something like that.
But yeah it’s pretty much dark from what I can tell.Yeah I think everything’s ready to go charge is on we’re at zero heat right now oh I’m supposed to hit EnterNo Time V0.345 download that’s probably smart there we go enter so we have confirmed the time in 88 miles per hour there we go 2014 ladies.Gentlemen let’s go see good old doc right away all right so doc was yes right here at his laboratory I don’t remember what exactly what it was called I’m just gonna pull off the road a little bit here I just gonna pick just right into a pole ah man I love early access games are the greatest so yeah clearly we have some crazy drivers in this one also 2014 at least in Back to the Future timelines is extremely futuristic as you can see all right we’re at the laboratory .There’s good old doc himself hello and welcome to my workshop I am er author inventor are you here for repairs or are you perhaps in need of a scientific consultation oh yeah we’re gonna quickly go through this.He’s gonna give us basically a to-do list we saw this in the first episode by the way he didn’t check out the first episode do check it out, because it’s a really cool game.I’ll have a link in the description okay because doc doesn’t shut the hell up all TLDR it for you or TL DW I guess in this regard doc wants me to pick up some stuff actually before that let me just grab this quest because I think it’s probably the accordian man yes it is okay so we’re gonna grab this question for later well yes back to the story doc has wants to build a weather machine basically.
I have to go pick up some stuff most of the stuff is easily picked up we can actually go to the store .Buy it right now which we will do.But he has a family a family heirloom a brass pocket watch that he needs to conduct electricity with.We have to go back to 1795 I believe it was.Go kill some bandits that stole it from his family huh how are you doing Tommy doing good I’m here I’m just here to trade so what can I get you what exactly what’s in front of you right now there’s 19 bucks there’s half my money I hope this is worth it we’re gonna throw that in the inventory throw the uranium in the inventory I guess technically I didn’t need to buy the uranium either because I technically have my own uranium.But we’re gonna buy it for him now let me just make sure if we go back to I think it’s thunderous matters yes he wants me to find specific items for his newest invention in any case I could simply try time-travel back to get the real brass clock which is family law since 1795 they lived under Hill which is a round desk ah so yeah I guess we simply got to go back to 1795 so let’s do that just a crab while walking down the street guess we don’t need to be alarmed no 2014 is weird in this game man all right I think we need to be this at 600 I’m feeling confident by the time we get up there we should be close hopefully being a little bit degrees over doesn’t hurt us oh man okay I’m a little nervous now this might actually be a bad idea oh okay yeah I think we’re okay now we’re dead you really gotta be under 600 degrees.
Okay well it’s a good thing I just saved it cuz I’m dumb.I’m impatient clearly okay whoo that was a little too close for comfort.But we’re gonna put that reactor cooling on right away Oh actually it’s already on that’s right all right here we are 1795 I got to be honest I expected at least a little bit of a village let’s just I know we kind of need to go somewhat over here well there’s yeah it looks like that’s a house right there you actually see a sign over here so what does this sign say whoa a little bit of bumpy road here so yeah 1795 man clearly civilization wasn’t here yet.What is this where are we Pine Lake ah good old Pine Lake when it was small you know what I’m gonna get out.Just kind of explore this place on foot so we’ve got people here as you can see .We’re looking for his family I think is this exactly where we’re supposed to be let’s just explore this I don’t think he’s probably here.But maybe I can get some information here on what’s going on whoo wait quest all right so we have a quest Frederick J author wait that’s his family did I find him okay he was way off where he was supposed to be if this is him ah hello stranger what is it sir I have lost something really presence recently this is it he lost his family heirloom unless you can take it up with some bullies one has a gun.
I would not want that on you I can I’ll see what I can do they should be what the hell is that it should be right now in a cave on the side of this hill sorry on the side of this hill beyond the field here take this club good luck.Watch out okay what was that noise though he’s given me a club to fight somebody with a gun thanks man I really appreciate that I think I actually have to hold it what the hell was that noise alright can you give me like a specific location good luck stranger you didn’t even even tell me where he is now okay so we need to find some bandits around here I see a building over there I wonder if it’s up the hill though Oh actually I see fire up there okay I think that’s a sheep oh I think I see something there there is something at the below that rock I mean squint.You’d miss that is this it though is this considered the field all things are loading in now okay I’m thinking I found it let’s eat a little bit of my candy I’m gone getting a little nervous now good old 1984 food I mean this is where I’d hang out if I was a bandit alright so this guy’s got a gun yes okay yeah it doesn’t really show you in this game exactly where you need to go I kind of like that though it feels very old-school all right well I got my club I guess we just explore oh god the bandits already there okay are you gonna shoot me right away what if I can sneak up No Time V0.345 download update.
Well this guy’s clearly blind so thank God and Bam Bam Bam Bam Bam okay I thought this would be a lot harder I mean I’m not gonna complain.But I got I think that’s it anyways hold on the press o’clock haha okay and I can’t take my club with me because I have no more space left so I only have four inventory spaces so I want her there we go let’s put that in the inventory where I got to get some food really quickly though it’s actually food here we didn’t even kill the bandit boss all right let’s get out of here and get back to good old doc we got exactly what we needed you should be happy with us all right so I guess I got options I could maybe give the clock back kind of curious.But obviously the doc wants it so let’s go give it back to the doc here we go eighty-eight no problem at all and whoa whoa that’s not good that’s not good that’s gonna hurt okay okay what the hell just [Applause] I must have landed in something the problem is your car actually takes damage in this damn game and now I’m gonna have to repair the poor thing Jesus that nut that’s dangerous time travel I guess all right well we’re back okay so I know he wants me to put all this stuff here oh the club from 1795 we’ll keep that there I love everything’s dated it’s great.But yeah thanks bear are we good you got the things place them on the table you have them right there on the table dude doc doc I don’t have an option here doc they’re on your table I don’t know what other table you’re possibly talking about this took way too long doc oh my god dude are you blind are you starting to lose your mind doc wait wait wait is that me I just heard somebody come in.
Yeah that’s me so I’m wondering if that’s the issue if because I came one hour early and I haven’t actually technically talked to doc yet if you really think about it if that’s like confusing the game all right we’re gonna we eat that right now yeah let’s just eat one of those there we go and the rest goes in the inventory because ice cream lasts forever in 2014 No Time V0.345 download. I am here okay can I steal can I steal I can’t seem to use it guys I’m hitting half use my car I can’t use my future car can I see myself it’s so pretty pretty now I’m wondering now that I waited though that’s me the music changed hello me ah what are you doing here what are you doing here why I actually don’t know what you’re doing here oh this is weird right no no what oh god what did i do did I did I break everything did I ruin it Oh boogers that’s something I would say what the hell so well avoid yourself remember oh you told me to do that well damn it okay doc I swear to God if you don’t see this stuff if things place them on the table ah yes here okay thank God there we go I will meet you on the hill behind behind the 6/12 or oh and here’s some payment for your hardships which he’ll again the one behind 6-12 store well it is the closest one No Time V0.345 torrent and I got a hundred fifty bucks okay not bad not bad at all now we at least got some money in the bank now can we get that upgrade dude alright I’ll cut I want to see what he’s doing now so do we I guess we don’t have the time travel he’s just gonna be over there 6:11 store I would like to purchase this Tom how are you doing today by the way Tom say 20 bucks all right uh this is mine rate right stop F right oh my god Tom Tom this is amazing Tom okay so yeah I thought maybe we should get the the hover car.But honestly that’s five hundred dollars and I don’t have that money yet so I figured we’d at least get the level board.
Okay where were you at dock dock dock use up here what are you doing dude what is this oh dude this is so cool okay uh how do I get off there we go okay well um aboard don’t go away stay lab abort oh no no no no inventory inventory I don’t want to lose you huh huh Oh God he almost made me kill myself okay there we go Jesus Christ all the lever boards absolutely crazy what’s up man what are you doing here is this your weather machine there you are Here I am great now here is the brass cloth take it put it into the conduction chamber on the side of the machine oh oh oh okay drop drop Oh what am i doing what are we doing doc dock dock is the world okay okay the world looks alright what the frig just happened dog Oh John god damn I didn’t know oh god this game is amazing alright what’s up man I should have used my safety goggles you don’t say buddy you don’t say well that went great it worked the clock might have been too conductive though well that was it for the clock I guess well anyways maybe back in the lab if you’d like to help out further Thanks you know what that was pretty fun I might help out further Jesus alright guys well I think it’s a good time to wrap up this episode I hope you guys enjoy checking out no time again this time doing a little bit of the main storyline and I gotta say I’m very much not a fan of storylines or quest lines and games.
But I’m kind of intrigued by this one I want to know what we’re gonna make next so let me know what you guys think because yeah do you want to see like the main questline or do you want me to do more side quests just open-world stuff play with my my lev borisovich and it’s all up to you guys on what you want to see so let me know in the comments below regardless I hope you guys enjoyed this episode of no time in the next episode we’ll probably get back to the accordion man at least just to see what that’s all about being that we already have the quest we may as well do that one and I really gotta figure out what we’re doing with the uranium or what not the benefit being we have money now so we can buy more uranium we know where to get it at least.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

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

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

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

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Saint Kotar The Yellow Mask 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 Saint Kotar The Yellow Mask 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 Saint Kotar The Yellow Mask 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 Saint Kotar The Yellow Mask 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.

Saint Kotar The Yellow Mask for Android and iOS?

Yes you can download Saint Kotar The Yellow Mask on your Android and iOS platform and again they are also free to download.

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How To download and Install Saint Kotar The Yellow Mask

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

TROUBLESHOOTING Saint Kotar The Yellow Mask Download

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Saint Kotar The Yellow Mask Review ,Walkthrough and Gameplay

Saint Kotar The Yellow Mask free download PC game, actions long-awaited update has just been released adding awesome new additions to the levels like exploding cars new areas and such along with gameplay changes so I thought it’d be a great time to revisit this on the rated game maximum action is a physics-based first-person shooter influenced by Hong Kong action Aurora slow-motion bloodshed and other old-school first-person titles it might be the game I’m playing the most when I don’t have much time before I leave for example make sure to drop a like if you’d like more illicit of games.Thank you guys for Saint Kotar The Yellow Mask igg games make sure you check out the game on Steam the link will be in the description thanks – I am Legend for being a master member on the channel you can become a survivor member for 99 cents only it’ll support me and the channel as a whole.
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The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

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

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

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

Honey I Joined a Cult Fitgirl Repack

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Honey I Joined a Cult 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 Honey I Joined a Cult 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 Honey I Joined a Cult 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 Honey I Joined a Cult 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.

Honey I Joined a Cult for Android and iOS?

Yes you can download Honey I Joined a Cult on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Honey I Joined a Cult

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

TROUBLESHOOTING Honey I Joined a Cult Download

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

Honey I Joined a Cult Review ,Walkthrough and Gameplay

Hey! It’s starting to be Honey I Joined a Cult free download PC game, so you know what that means: cult-recruitment season, so I’m going to be covering “Cult Tycoon”, or the formal name: “Super Cult Tycoon 2 – Deluxe Edition”. This is a cult-management simulator. Now, don’t be fooled by the name; this is a prototype game, but it is overflowing with potential. Look at this opening screen. “Build 3 monoliths to summon the Honey I Joined a Cult igg games, “then defend your compound until it arrives.” Well, this is off to a good start already. I love how our cult has a clear vision from the beginning, something we can work towards. Now, “United Blisstonians” isn’t a bad name, but I wanted to make my own. Although, you’d be surprised how hard it is to come up with an ominous cult name that isn’t already taken. Take a look at these — these are all in use by one group or another. Well, I’m saying hell with it, we’re the “Children of Restoration”. I’m probably offending some church in Baltimore right now, but that’s just too bad. We need to summon the mothership and it’s not going to happen if people think we’re the Mickey Mouse Club.

“Made for the Mysticism pageant at Super Friendship Club “itsalteracationtime.com”. Wow. That tells you everything you need to know, doesn’t it? Let’s get started. So, we start off and a disembodied voice tells us we’re already running from the FBI after our last escapade. Boy, that puts us at a big disadvantage already. This is going to be a short game. Also, the camera and van movement here are kind of choppy. It’s the game, there’s no way around it. Oh, yeah, this is bad. We need to leave now. Alright, here’s the first big thing I dislike about this game: I hate how the background is always out of focus. Turning down the graphics doesn’t help. It’s always like this. This is apparently called “tilt shift photography” and while that could be cool for screenshots, I hate this for actually playing it. But, again, no way to fix it. Honey I Joined a Cult ocean of games So, after wandering the woods, we enter this convenient clearing with a big barn in the center. A perfect place to start our cult. This feels like a shortcut to me. We didn’t have to buy the property, know someone who owns it, get permits… Now, if this was a full-fledged sim, I feel like you should start off with a certain amount of money, or know a certain number of people, and work your way up to acquiring property like this.

The Honey I Joined a Cult torrent might make it look like all you need to start a cult is a bunch of hooded robes and a bonfire, but the reality is: it takes a lot of time, work and money for a cult to be successful, and it can all go wrong at any stage. That’s why this is a perfect theme for a sim game. But anyway, we have property, we have some money, so our next big step, of course, is to get some followers. Now, in the game, this is a simple operation. You just drive your windowless van playing an ice cream jingle into town, and they’ll walk towards your van, or you can just grab them directly. While I love the ice cream van music and how this is named the “Enlightenment Van”, to me, this needs to be developed into much more complex process. Like, driving around and grabbing people to come into a van will be one method of recruitment. And not necessarily the most stable one.

Better methods would be to campaign on college campuses, some church groups, yoga or meditation classes, natural food stores… in my opinion, those are the rich spots for recruitment, depending on your cult’s message. Anyway, once you round up a full load, you bring them back to the barn, then BAM! They’re converted into cultists and your FBI wanted rating increases. See, they’re simplifying this WAY too much. Bringing nonbelievers into the fold, I would argue, is THE hardest part of the cult-building process. There are so many stages and you’re never going to get a 100% conversion rate like you do in this game. Ideally, you would have a smaller introductory compound that new recruits stay in for a couple months before they join the real deal. See, as you get more resources, that could be a potential upgrade for the simulator. Basically, you want an easy exit for the initiates who are never going to fit in with the group anyway, but you want to cut off and isolate all the others from the outside world so that the cult becomes their family, and they’re not led astray by the temptations of modern civilization. Also, this takes time. There shouldn’t be any of this instant conversion crap. It should take at least a few minutes real time. In a good cult sim, you should always be planning ahead.

Anyway, we have our fresh acolytes– I like how they’re dressed–but what’s this? We have idle cultists standing around?! Not on my watch! Idle hands are the devil’s workshop, so let’s take care of that right now. “Crafts Corner — Acolytes sew a variety of wallets and vintage jeans “for international export and fun.” Perfect. Wow, look at the size of that. And the smokestacks. That is some heavy-duty fun they’re going to be having. Now you may notice that now that I have my followers, my “Honey I Joined a Cult fitgirl repack” supply is going down. This is essentially your cult’s morale meter. If you run out of Kool Aid, your cultists will get spooked and start leaving so, to offset that, you have to build Kool Aid Breweries. Again, this is too simple for me. It’s a tricky formula determining who’s going to stay or not. It depends on individual personalities, how many motivational speeches you’re giving… Are you teaching your followers daily lessons about your cult’s beliefs? Do they have a routine they follow? Do you have celebrations? Are people making friends? And so on.

While, yes, you could drug Kool Aid to keep people in a kind of haze, that’s a short term solution. No drug is going to be as powerful as a sober mind that’s been focused in the right direction. Next, we need to build some housing for future acolytes. These are pretty cheap. We don’t need to splurge here as the Children of Restoration are humble servants of a higher force. So, this pattern continues for a while. You keep driving into town or nearby farms, recruit more followers, and your economy, FBI rating and scale of operations increase and you get more upgrades along the way. One upgrade I had really mixed feelings about was the “Robert Sentry” which will round up stray cultists looking to leave. On one hand, we’re clearly crossing over into fiction now. If you want to round up cultists, you use search parties, dogs, perimeter patrols, that sort of thing. On the other hand, this is in homage to the show “The Prisoner” where a giant “Rover” sentry would always stop the protagonist from leaving the area. “The Prisoner” was a very surreal show. I’ve seen the whole thing and I’m still not sure what happened. So, while the reference to the show is cool, I feel like this would be good as an Honey I Joined a Cult fitgirl repack or something for a goofier expansion pack. I think we’re straying out of sim territory with this one. Let’s talk about the economy for a minute. In this game, you get the bulk of your money from making the wallets and jeans, but you also get a little bit in tithes from new followers. If we’re going to be realistic about this, I think it should be the other way around. In real life, donations from followers are hugely important. You need to be convincing people that your cult is all they’ll ever need so they should cast off their old life full of material possessions, and donate all that stuff to the cult in order to further your cause.

For poorer members, it just means pawning off their goods, but for wealthier ones, it means taking out a mortgage on their house, or donating additional property… this stuff can be your lifeline. Even then, for your true believers, you want to get some of them back out there convincing THEIR friends and family to donate THEIR money and possessions to the cult. I mean, yeah, you still want to keep selling the handmade crafts on the side, but getting fresh money coming in should be an ongoing need in the game. Anyway, after a while, your FBI rating increases even more and they start sending units to your compound. You have to stop them from entering your barn at all cost because you lose mysticism each time they get a peek. To prevent this from happening, you can build public relations buildings to bribe them to go away. To me, this right here is where the game falls apart. I have problems with this on multiple levels. First, only THE biggest cults have dedicated PR buildings like this. If you’re operating out of a barn in the woods, you don’t have a PR department. Second, we’re BRIBING FBI officials?! Excuse me?! Now, I’m not saying it’s impossible for an FBI agent to become corrupted, but the vast majority of agents are not going to back down if your cult throws bags of money at them. Do you have any idea how many background checks federal law enforcement officials undergo? Actually, Honey I Joined a Cult fitgirl repack. Background INVESTIGATIONS.

We’re talking about the FBI, not the local town sheriff and his cousin deputy. The feds are largely vetted. You offer to bribe them, you’re giving them a nice juicy excuse to bust your ass. Third, law enforcement should not feel welcome to come in and stroll about your compound. If an FBI truck is rolling up, they either need a warrant or need to get the hell off your property. The end. Now, if they DO have a warrant, that’s another story; we’ll come back to that in a minute.

Now, if they wanted to make this more real world, they could do sweeps for surveillance equipment, or worst of all– try to root out an undercover agent who has infiltrated your compound. That would only happen at late game stages, though. Before the FBI or the ATF start knocking on your door, you know who’s likely to show up? Child protection services if they think any children aren’t getting a proper education; the IRS if you’re not on top of your taxes; city officials making sure your paperwork or permits are in order. That stuff can all bring you down long before the feds even know who you are. Your first line of defense with your cult is isolation. This game seems to cover that. But once “the Man” knows where you are, your next step should be to lawyer up. Make the law work for you. You should be handing those bags of money to the lawyers, not the feds. They’re the ones who are going to turn these trucks around, or make them wish they never came here. You want to get sued for harassment? Because you’re acting like you do. So, I don’t like this PR building system one bit. But, sooner or later, if your cult keeps growing in influence and achieving greatness, the feds are likely to raid your place, especially in the post-Homeland Security world that we live in. Now, the way you handle this, I think should be based on how close to our goals we are. I haven’t started building the monoliths yet because, in this game, once you do that, your FBI rating will not stop increasing. These monoliths get their attention; they can’t handle the truth. Honey I Joined a Cult fitgirl repack, really, what this game should do is if the feds were to raid you at this stage, then your best bet would be to have pre-built underground panic rooms where any VIPs, guns, known felons could hide out while they conduct a search. Like, this might get to be an issue if one of your cult members is related to someone influential, like, say, a congressman’s daughter is part of your cult. You might think she would be more trouble than she’s worth, but she could also be bringing in the MOST MONEY into your cult, so it’s really a balancing act.

Perfect of a sim game. But once you have enough resources, you construct the monoliths, then it’s game on! I love how the tone changes here. Now this feels like a world changing event! But, god, I hate this PR building system, because, let’s face it, if we are THIS close to our salvation, then now is when you bring out the guns. None of this PR building crap. The game should switch over to a tactical shooter at this point. You should bring everyone into the barn and start firing from the windows. You should keep whole families together, especially the children, because the feds will think twice about spraying the place with bullets if they know it’s full of kids and other noncombatants. Now, if you were prepared, you would have gas masks and if you were REALLY prepared, you would have underground tunnels also, but that’s a lot of work. 50% MYSTICISM! NO! WE ARE SO CLOSE, MY CHILDREN! All right, I hate to be a buzzkill with such a great buildup like this, but the ending to this game is really weak. Whether you win or lose, the ending is totally anticlimactic.

If you win, you drive away and the ominous voice says hateful things to you. I don’t even feel like showing it; it’s just poorly written. It just ruins the whole mood. But here’s the “bad” ending. So, yeah, that’s “Cult Tycoon”. I think there’s a lot to be learned here. “Cult Tycoon” is serving up a prototype of a game that should be made. In the past, I would’ve said this game concept is money lying in the ground. If someone were to turn this into an all-out simulator, I’d think you could sell copies for sure. Nowadays, it’s anyone’s guess if a game will be successful or not, but there is currently no game like this on the market.

There are no other cult simulators I know of, except for some cheap web game I found. It never hurts to have a unique concept for a game. All right, I should finish this up, but before I do, I know some people out there are saying, “Ross, now I want to get involved with a cult “but I don’t know what to do! C’mon! You can’t leave me hanging like this!” Well, not to worry, I’ve got you covered. Now, I can’t tell you what cult you should join as that’s a very personal decision, but I can at least get you started. If you want to get involved with a cult, the best resource I know is the Fellowship for Intentional Community homepage, or ic.org. This has everything–books, blog entries, its own magazine, various events, and most important, its directory. Here, every group that’s anybody is going to advertise themselves and give you some details of what they’re all about. There’s a big variety, too.

For example: do you hate technology and think it is evil? Are you tired of so-called “religious people” who don’t REALLY follow their faith and want to be the with the True Believers? Do you love the Second Amendment and want to live in a community where every single citizen is armed at all times? Do you want to find neighbors with similar views that shouldn’t be creepy to intentionally live near to yet somehow is? Or maybe you’re a vegan and hate meat eaters and never want to be around another one again. Do you want to be involved with some expensive co-housing group that might be a scam? Do you like busting your ass doing farm work? This one in particular will make you popular with a lot of groups. Do you have so much debt your life is effectively ruined, or you’re on the run from Johnny Law and want to fall off the grid? Do you have no direction in your life and want others to help find it for you? Or, maybe you’re like me and want to see what your best options are before we exit peak oil and enter a long collapse scenario. Well, if any of these situations describe you, then you’ll find what you’re looking for at the Fellowship for Intentional Community.

Or maybe you’ve got a cult ready to go and need to find some followers. Now, I should warn you. A lot of these entries, I’d say even the majority, are NOT cults. But you bet your ass some of them are. You’ll have to read between the lines. It takes time to look through the directory and figure out who is actually going to start summoning the mothership or not.

But hey, if you’re not willing to invest time into this, cult life is not for you. Okay, let’s wrap this up. Time for awards. First award: Bifocal vision– I never got used to that damned blurring. Second award: Why hasn’t someone done this yet? This is a game concept waiting to happen. There are multiple prison simulator games out there but we have nothing for cults. Somebody might want to get on that. Okay, that’s all I have for this game. Stay tuned for the next episode which will be one of the worst named games I’ve played.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

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

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

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