Monthly Archives: January 2020

Fitgirl

Demonheart Hunters Download PC Game

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Demonheart Hunters Fitgirl Repack Free Download PC Game

Demonheart Hunters 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 Demonheart Hunters 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 Demonheart Hunters Fit girl repack is a free to play a game. Yes, you can get this game for free. Now there are different websites from which you can download Demonheart Hunters 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.

Demonheart Hunters for Android and iOS?

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

Also Read:

How To download and Install Demonheart Hunters

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

TROUBLESHOOTING Demonheart Hunters Download

Screenshots  (Tap To Enlarge)

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

Demonheart Hunters Review, Walkthrough, and Gameplay

I guess you’re just supposed to use that whole list of stuff up there and you now go further with the rep at this point. And then here is what the representative gets, which is just the basic information of the customer and then you can put in your own notes and stuff there if you want to. But yeah, that’s mostly what you do with this thing. And the other stuff though is kind of interesting like this fragrance consultation. “We examine your fragrance needs for a day, night and special occasions. Let’s begin with daytime,” ooh I’m intrigued. “The majority of my time during the day is spent on these things.” So yeah it just is like a quiz that you’d find on Facebook or some crap. And here you go, “my personal style is very alluring and sultry.” And I mostly enjoy a Demonheart Hunters download scent.

The personal feeling I would like to create in the evening is…” [chuckling] I’m romantic? I’ll go with wood again. “Special occasions for me are…” anniversary, romantic, church, community, social organizations, entertaining in my home, yes. So based on that personality quiz and preference I should go with the breathless soft musk and evening should be night magic and soft musk and special occasions should be Demonheart Hunters fitgirl repack. I don’t know what any of those smells like but uh. We’ve got another printout going here which I think, yeah. So the printer just stopped working.

Oh there we go. [the now-working printer is working at printing again] This is quite a bit more substantial printout for some of these other things here. This one, in particular, is kind of ridiculous, actually. So yeah look at this, we start getting into like, Demonheart Hunters ocean of games receipt territory with some of these things. I mean look at that, it’s quite in-depth, I got a six-step process right there over my fragrance layering. Bathing with scented soap, refresh with a body splash, and spraying like what is all this? It’s a lot of information for me to make myself smell good. And yeah I mean that’s pretty much it.

About the only other thing that I kind of wanted to mention that I’ve noticed on here that can be a bit iffy… they’re having a customer do all these things like, I’m typing in your names and you go through the entire process and look here’s my phone number. But if they were to press backspace and then — you can kind of see here that backspace is right next to the HOME key. If they were trying to press backspace and missed, it skips everything! It just quits! Everything gets reset. Putting the Demonheart Hunters torrent key as like the ‘reset everything’ key I think was a bit of a mistake. You know, why not use the reset key back here because far as I can tell that does nothing. Maybe it resets like this or something, it’s possible. Oh yeah and look at this, it actually does have a glowing red light on the back. Just kind of an ominous device don’t you think? Can’t just be me right? [clicking the button for no reason] So something else that I wanted to test out on here is its DOS capabilities.

And being that it is the computer that it is, it has MS-DOS version 2.11 built into the ROM here, which is quite handy. So yeah if you don’t want to use the disk that it comes with, you know, you don’t want to boot up from this then you can just boot straight into this version of DOS. Or you can use another like, official IBM PC DOS disk like this. I’m gonna put that in. This is DOS 3.3. And hooray it’s an upgrade. So we’ve got that drive right there, which is just the disk that’s inserted, but we can no longer access the ROM drive. And there is, like I said earlier, no internal hard disk or anything like that, so you will still need to use other disks if you want to do anything else on here. So either put them on like a bootable disk or boot from DOS and then install something else to another disk. Hehe, so we’re gonna try that here with Demonheart Hunters PC download. Installing from Drive A: yes. To drive A: This just means we’ll have to install it to a blank floppy disk. So we are going to be installing it to Demonheart Hunters mode because that is actually what this computer is running. It’s kind of odd if you think about it like, this is called the Personal COLOR Computer but it’s only a monochrome display. Although it does have CDemonheart Hunters game download color graphics in there. But then again we’re installing the black-and-white version of CGA. It’s a complete identity crisis with this computer what we’re doing here. And there we go, we have SimCity in CGA running on the Avon Beauty Vision, which is really just to Toshiba T1000 with a different case. So I got the copy protection sheet here.

And that mouse cursor is really hard to see. The little hand right there? Look at that, you move it and you can’t see a thing. Oh yeah, I love seeing those monochrome graphics draw in Demonheart Hunters on a computer this slow. And there’s the copy-protection let’s see, what is this. Okay, so it should be four seven three three nine three. “Congratulations you passed!” Well, thank you for letting me play the game that I bought decades ago.

Alright, so it’s Demonheart Hunters with a mouse cursor I still can’t see [chuckles] Oh, there it is, look at that. This display, it’s all weird and stretched but you know that’s just kind of how it is. So let’s see here.

 

The Insurance Society of New York

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

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

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

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

Fitgirl

The Pedestrian Download PC Game

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The Pedestrian Fitgirl Repack Free Download PC Game

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

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

The Pedestrian for Android and iOS?

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

Also Read:

How To download and Install The Pedestrian

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

  1. First, you have to download The Pedestrian 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 start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING The Pedestrian Download

Screenshots  (Tap To Enlarge)

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

The Pedestrian Download

The Pedestrian Review, Walkthrough, and Gameplay

And at this point, you’re ready to go! You just plug it in and turn it on, with the power cord plugging into the top-right corner next to the power button and reset switch. And I quite like how the power cable neatly tucks away underneath this plastic door, it’s all quite tidy and pleasant and not really getting in the way. Which I guess is a good thing in the situation’s this might be used in. So yeah let’s go ahead and get to beautifying ourselves with computers! Okay, everything is plugged in ready to go, the disk is inserted let’s turn it on. And straight away we’re getting a RAM test and being a The Pedestrian game download it will go up to the 512 kilobytes that these things came with from Toshiba. Success! My apologies for the brightness/contrast here, it’s not great to me in person either.

There are no brightness/contrast controls here, at least not anymore. I’m assuming they have all been covered up by the case that it’s housed in. And yes there we go, we start up with the Avon Beauty Vision Personal Color Computer logo loading directly from this The Pedestrian igg games floppy disk. And once it gets to this point you can start hearing the skin sensor gun-thing making some slightly unnerving sounds, very high-pitched… [slight unnerving high-pitch whining and clicking noises] And it seems to be drawing some power too because it actually dims the screen a little bit every time it makes that sound. I’m assuming this is some sort of startup calibration for the thing because it is flashing the light every time it makes that little sound.

And you can see in here where the end of the device is stored there’s this sort of light skin-colored fleshy tone that it’s looking at. So I’m assuming that maybe it thinks that’s the neutral skin tone? I don’t know I’m just guessing. Now that it’s done making concerning noises we can press ENTER and get to enter today’s date: April 23rd, 2018… And it is not The Pedestrian ocean of games! I will just put… heck, we can put anything.

It’s Christmas! 1986, my first Christmas. Well, it won’t take that either because it’s before ’89? Your particular piece of junk. Let’s put the example year in, will it take that? Okay fine. “Representative information: what language do you prefer, English or Spanish?” I will take English. The Pedestrian torrent it’s doing the printer stuff now. Just printed a test print, just the whole alphabet over there. “Press ENTER to continue.” “Calibration check: please make sure the skin tone analyzer is firmly placed in its cradle,” which I mean I thought we already did this when it started up. But it’s doing that again, so. You can see the screen dimming every time. Oh good the analyzer is functioning! So let’s see here, “enter the following representative information where indicated.” So this is where I was too, like, say, if I was an Avon representative I would put in my information, not the customer. So we’re gonna put “The Pedestrian PC download.” And my phone number is three three three seven seven seven four four four four–no it’s not but that will work.

I don’t know I’m just making crap up here, because obviously I’m not an Avon representative. In case you’re not aware, a disclaimer. I am now ready to begin my first consultation! [PC speaker music plays] Yeah man. There’s a theme song. “In what language would you like your consultation,” well, English again because you know. All right now we’re selecting the “consultation of your choice by typing in the correct number.” So personal color, wardrobe, and cosmetic coordination, skincare consultation, fragrance consultation, representative training information. I’m curious about the training information so let’s see here. We have consultation steps, team selling approach. I mean sure, let’s just go through the steps, let’s see what these are. What does this software say we should do to consult me? “Welcome customers to the Avon Beauty Vision Personal Color consultation! Introduce yourself to the selling team, say: [clears throat] Avon is pleased to offer a scientifically based color computer that gives you personalized makeup color advice through skin tone analysis!” Ah, sure whatever man. “Mention that the analyzer will take camera-like flashes to determine skin tone.” And these are the things so yeah, let’s just do a personal color consultation because I want to know what my personal color is. “Welcome to your personal color The Pedestrian download thing! Enter your first and last name where indicated.”

So this is where the potential customer comes into play. So our customer is going to be me but we’re just gonna put Duke Nukem because… I think that’s a thing to do. And phone number whatever. “I don’t even have a phone!” 90210, I don’t know let’s just get some stuff in here, so. “Please enter your age by typing in the correct number,” put number four. “You can choose male or female,” so yes this does work by design with male and female customers. So we’ll just go with mail because I’m gonna be scanning myself here. “Skin Cleansing instructions: skin must be cleansed even if you were not wearing makeup. Use accolade toner and cotton ball to cleanse the right cheek area.” I dunno, I don’t have that. So clean your friggin face basically.

So here is the color analysis, which is a three-step process starting with moving the skin tone analyzer from the cradle, holding it flush against your right cheek and pressing enter. [The Pedestrian fitgirl] [presses enter, followed by faint analyzer noises] Lift the analyzer away from your cheek for a few seconds then place it back on your right cheek. [presses enter, contemplates life] And yeah we just keep doing this repeatedly for like, half a dozen times. “Your skin tone measurement is complete! Replace it in its cradle.” Okay! [beep boop beep beep boop beep] [boop beep beep boop beep] [chuckling, PC speaker music plays] I love that silly little process. “Boop boop boop beep boop! Computers! The 80s! Wow!” Anyway, my skin has pink undertones. Yes. Yes, it does. Admittedly not the most thorough set of testing but hey, at least it got that right. My color category is ultra-cool. The color group that most naturally compliments my skin tone is clear and vibrant. I’m glad to know this. [printer noises occur] And it’s printing out mah stuff. So at this point, it’s back to the representative and we can press C for a printout copy. [printer prints a printout copy print] [PC speaker music plays again] And that’s pretty much it.

 

The Insurance Society of New York

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

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

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

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

Fitgirl

Coffee Talk Download PC Game Free

Leave a comment

Coffee Talk Fitgirl Repack Free Download PC Game

Coffee Talk 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 Coffee Talk 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 Coffee Talk Fit girl repack is free to play the game. Yes, you can get this game for free. Now there are different websites from which you can download Coffee Talk 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.

Coffee Talk for Android and iOS?

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

Also Read:

How To download and Install Coffee Talk

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

TROUBLESHOOTING Coffee Talk Download

Screenshots  (Tap To Enlarge)

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

Coffee Talk Download

Coffee Talk Review, Walkthrough, and Gameplay

Greetings and welcome to Coffee Talk game download, where we’re taking a look at hardware and software that is odd, forgotten, and obsolete. Like this right here, this is the Avon Beauty Vision Computer from the Coffee Talk igg games. It’s very red but it’s all packed up in this thing here. And it comes with this that you’re supposed to… this is… just, this is weird, let’s take a look at it.

This is the Avon Beauty Vision Personal Color Computer, released in 1988 or thereabouts. And it may look like a suitcase but check this out. Yeah, man. Not only does it provide the vision for your beauty but you get a proper Coffee Talk ocean of games PC-compatible computer inside capable of running MS-DOS. I didn’t even know this existed until I was browsing eBay one late night a year or two ago, just looking for old laptops and other weird tech crap to cover on Coffee Talk torrent. And then I saw this thing show up and I had to have it. It only cost me 50 bucks to grab this brand new unit but as for what it cost originally in 1988, I have no clue. Because unlike most things that I cover on Coffee Talk PC download this was not sold directly to consumers.

But instead was used by representatives of Avon Products to recommend and sell cosmetics. And for any of the uninitiated among you, a key part of Avon’s business model, then and now, is to advertise and sell its beauty, household, and personal care products through multi-level marketing.

Anyway in the late Coffee Talk fitgirl repack that typically meant that a so-called “Avon Lady” would set a time in place for an event, often at someone’s home or at a public meeting space of some kind, and then potential customers would gather in one spot to have the representative demonstrate a bunch of creams and serums and all that kind of stuff before pressuring everyone to buy a bunch of things because the rep needs that sweet Avon money. And yeah there’s recruitment involved and a whole bunch of other things about Avon’s business practices we’re not gonna go into here, we’re just gonna talk about the Beauty Vision Computer.

And really the whole idea behind this was to enhance the appeal of these direct sales meetings by saying “hey look, it’s the Coffee Talk fitgirl repack and we’ve got a computer!” And for a few years, they were pushing this thing quite a bit, especially in magazines like Cosmopolitan, Ebony, Savvy, pretty much anywhere that you might find a potential Avon customer. Like this January 1989 issue of Good Housekeeping. Forgive the visual quality here, this was printed out on a less than brand-new microfiche machine. This little tidbit right here and many others like it were found in all kinds of magazines, saying stuff like “what can the latest computer know-how do for you? Beautiful things! Consider Avon’s Beauty Vision system which, via a unique color analyzer, scientifically reads your skin tone to find out which makeup shades look best on your face.

And it’s free to use! With a 5 dollar makeup purchase.” So yeah, while I don’t know how much the actual whole unit itself cost, it apparently cost five bucks to get your face blasted with light. So the way that the Beauty Vision Computer worked, supposedly, is that it made use of an optical skin tone analyzer, which is this unnervingly medical-looking handheld device right here. Now you’re supposed to point the business end of this at your face and it’ll flash your skin with a bright light to provide a computerized analysis of your skin tone. Seems legit. It then sends whatever it’s gathered in terms of information to the built-in computer here. Which as far as I can tell is a modified Toshiba Coffee Talk skidrow laptop from 1987. They’ve pretty much just put it in a new case and covered up the function key row with this plastic barrier on top. And yeah, once you’ve done the skin tone analyzer functionality thing it’ll then print out a list of suggested cosmetics and apparel and all sorts of other stuff through the built-in thermal printer back here, which is one like you’d find on a cash register’s receipt printer.

Coffee Talk download, I love how gimmicky this is! Anyway, let’s take a look at the rest of the machine because you get a bunch of stuff in here. Like this comprehensive color swatch backing on the lid of the unit showing all the potential Avon options, it might recommend to you based on your skin tone. And it’s divided up into four categories: cool, warm, ultra warm, and ultra-cool. And then you get the very glossy Avon Beauty Vision Operations Card, which provides a guide to operations on a card. And it also happens to hide the software for the computer underneath on a 720-kilobyte three-and-a-half inch floppy disk.

The card folds out to reveal all the information that you really need, mostly how to turn it on, print stuff out, and troubleshoot basic problems like jammed paper. It doesn’t really need much more than this seeing as the software itself holds your hand through pretty much every step of the process, which we’ll see in just a moment. And speaking of the software this is it right here on this disk! It just inserts on the right-hand side down here right next to the ‘gamma-ray gun’ and some ventilation slots.

 

The Insurance Society of New York

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

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

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

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

Fitgirl

Power & Revolution 2019 Edition Download

Leave a comment

Power & Revolution 2019 Edition Fitgirl Repack Free Download PC Game

Power & Revolution 2019 Edition Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC. And the best this about this DLC is that it’s free to download. In this tutorial, we will show you how to download and Install Power & Revolution 2019 Edition Torrent for free. Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Power & Revolution 2019 Edition Fit girl repack is free to play the game. Yes, you can get this game for free. Now there are different websites from which you can download Power & Revolution 2019 Edition igg games and ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download this awesome game.

Power & Revolution 2019 Edition for Android and iOS?

Yes, you can download Power & Revolution 2019 Edition on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Power & Revolution 2019 Edition

Now to download and Install Power & Revolution 2019 Edition for free on your PC you have to follow below-given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First, you have to download Power & Revolution 2019 Edition on your PC. You can find the download button at the top of the post.
  2. Now the download page will open. There you have to login . Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING

Screenshots  (Tap To Enlarge)

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

Power & Revolution 2019 Edition Download

Power & Revolution 2019 Edition Review, Walkthrough, and Gameplay

The Power & Revolution 2019 Edition game download is precisely what you’d expect for an experience based on the nearly 20-minute scene from Power & Revolution 2019 Edition download absurdly fast racing through sci-fi environments with excellent sound design, interrupted by the occasional piece of grating dialogue. [somewhat irritating alien exclamations] And man, this is still a lot of fun. One of the most important things for a racing game to get right is a sense of speed, and Episode 1 Racer is one that absolutely nails that. If the speed of the simulation was too slow, it risks breaking the suspension of disbelief knowing that these Power & Revolution 2019 Edition igg games are moving at velocities exceeding 600 miles an hour.

But if the simulation were to move too fast, or even moved at a speed that was accurate to what it would be in reality, then the game would simply be unplayable. “You must have Power & Revolution 2019 Edition ocean of games if you race pods” may be true, but expecting every gamer to possess those would not be very enjoyable. Thankfully, the combination of the environments, sound effects, graphical effects, and control scheme make approaching 1000 miles an hour here not only feasible but desirable. The controls, in particular, are something to be commended here, because it gives you just enough options to be able to fully control your pod without ever feeling like the room for error disappears.

And seeing as they made this work as well as it does even on a keyboard, that’s impressive. Now you might want an analog control method of some kind, whether it be a joystick, a Power & Revolution 2019 Edition fitgirl repack, a steering wheel, or even the mouse. But personally, I’ve always played this version of the game with the keyboard because, well, I just got used to it back in the day. But also because I find the precise digital controls spread across the keyboard to be a good match for this kind of twitchy racing. And the manner in which Power & Revolution 2019 Edition split up the required inputs by default cleverly avoids the problem of ghosting when you’re pressing multiple keys simultaneously on a keyboard without NKRO.

On the right-hand side of the keyboard you use the arrow keys to turn left and right as well as pitch up and down, and on the left hand you have the WASD keys for controlling thrust, brakes, and the somewhat superfluous rolling left and right. There are also keys on the left side for performing repairs, changing cameras, taunting, as well as the all-important slide key. When this is held down, your podracer goes from rapidly strafing left and right to having a more nuanced and fine-tuned control scheme that’s better suited for navigating sharp corners and narrow passageways. And finally, there’s the boost mode, enabled by pressing a combination of inputs. Whenever you’ve maxed out on speed and this indicator turns from green to yellow, you can pitch down and press Shift to enable the boost, which will take you well beyond your normal thrust speed at the expense of handling and heat generation.

hing!

The Insurance Society of New York

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

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

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

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

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Cook Serve Delicious! 3?! Fitgirl Repack

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Cook Serve Delicious! 3?! Fitgirl Repack Free Download PC Game

Cook Serve Delicious! 3?! 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 Cook Serve Delicious! 3?! 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 Cook Serve Delicious! 3?! Fit girl repack is free to play a game. Yes, you can get this game for free. Now there are different websites from which you can download Cook Serve Delicious! 3?! 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.

Cook Serve Delicious! 3?! for Android and iOS?

Yes, you can download Everreach Project Eden on your Android and iOS platform and again they are also free to download.

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How To download and Install Cook Serve Delicious! 3?!

Now to download and Install Cook Serve Delicious! 3?! 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 Cook Serve Delicious! 3?! 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 start automatically.
  3. If you are unable to download Cook Serve Delicious! 3?! Fitgirl game then makes sure you have deactivated your Adblocker. Otherwise, you will not be able to download Cook Serve Delicious! 3?! Fitgirl game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Cook Serve Delicious! 3?! Download

Screenshots  (Tap To Enlarge)

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

Cook Serve Delicious! 3?! Fitgirl

Cook Serve Delicious! 3?! Review, Walkthrough, and Gameplay

Now it’s time to give you an honest review and gameplay of Cook Serve Delicious! 3?!.

That goes in the bottom there and then this whole thing plugs into the Cook Serve Delicious! 3?! fitgirl. You *can* also charge it directly through USB with a newer third-party cable, but from the factory, you did need both cables combined to get power. This was pretty normal for PDAs like this. On the top from left to right, you get a three-and-a-half millimeter headphone jack, a spot to plug in SD or MMC cards, and a spot to store your stylus, which is pretty necessary. This doesn’t have a Cook Serve Delicious! 3?! fitgirl repack touchscreen, you will be pressing down to get things to work. And I always kind of liked how it has this fake SD card, I guess to keep the slot from getting dirt and crap in there. And instead of putting a little protector on top they were just like, “here’s a blank piece of plastic to put in there.” So turning it on is as simple as pressing the ‘on’ button. And you get these two Cook Serve Delicious! 3?! ocean of games up at the top: the left one is the Wi-Fi indicator and the right one shows if it’s charging or needs charging. And on the bottom, you get some physical buttons.

Mostly they’re for shortcuts to applications, but by default holding down this one actually changes the screen orientation from portrait to landscape mode, a handy little thing indeed since this doesn’t have any Cook Serve Delicious! 3?! torrent or anything to do that automatically. Along the right-hand side here you’ll see this little silver switch which is for opening the battery bay. That’s really all that does. On the left-hand side, you’ll see this little cassette tape symbol beside this button here, and pressing that immediately opens up the voice recording mode. And yes this does have a microphone built-in. [low qualityCook Serve Delicious! 3?! repack] “This is a direct recording from the iPAQ. Not the greatest microphone I’ve ever heard, but not the worst either.” Along the bottom is where you plug in your Active Sync cable and you also get this little port here for Cook Serve Delicious! 3?! igg games. This is the infrared interface so if you had any software that, say, acted as a virtual remote control you can actually control your TV, your A/V receiver, anything with infrared that can be programmed. And you could use your PDA as a smart remote which was pretty awesome in 2005.

Okay so let’s dive into the interface, and really the Windows Mobile Pocket PC experience for a bit, because this is not only something that intrigued me a whole lot nearly Cook Serve Delicious! 3?! fitgirl repacks but it really kind of still does. I enjoy seeing Windows crammed into a smaller environment like this and comparing it to the desktop experience.

I mean, you still get a Start Menu, you still have a control panel full of all the settings that you would expect. In fact, some things that you might *not* expect, depending on your expectations. Like the ability to remap every single one of the buttons on this thing, except for the power button of course. So if you want to swap anything to pretty much anything else, yeah, you can do that. You can make a dedicated Solitaire button if you want to, it doesn’t matter, it lets you do it. This is also where you can apply all sorts of battery-saving options, brightness settings, things like that. Although due to the hardware that this uses as I mentioned earlier, the battery life is really good. At least on a fresh battery back in the day, you could get over 9 even up to 10 hours of battery life depending on what you’re doing. In my experience, this older battery, it only holds about three or four hours but still not terrible considering this is a 1,100 mAH battery from 2005. Something that is not so cool though about the RX1955 is the memory situation. It came with a 64 megabyte ROM as well as 32 megs of Cook Serve Delicious! 3?!. But yeah it doesn’t leave you with a whole lot, so having a half-decent SD card in there is absolutely a requirement as far as I’m concerned. And again if you’re familiar with the Windows environment and navigating all that kind of stuff then the File Explorer acts very much like Windows Explorer. And you have plenty of familiar folders like My Documents, Program Files, Temp, and Windows. And any SD or Cook Serve Delicious! 3?! cards that you insert will show up as a folder in here. As for all the applications that came on 1955 it’s pretty much your generic PDA type stuff. You get a calendar for doing calendar-scheduling things, you get a contacts list for adding contacts to your list, mostly for email because this is not a smartphone — you can’t call anyone or text anyone. But if you wanted to communicate in some way, either directly to another Cook Serve Delicious! 3?! or over the Internet, you can do that. You also get a calculator for doing very specific calculations, and then you have Pocket MSN.

And I actually did use this back in the day for a little bit because I had Hotmail at one point. You also get a Notes app where you can handwrite in your own notes here. And yes it does have handwriting recognition which actually it was pretty accurate, I was always impressed with how well that it handled my sloppy handwriting. This version of Windows Mobile 5 also came with some pretty basic Microsoft Office suite programs, such as PowerPoint Mobile which doesn’t actually let you create powerpoints, but if you had any that you put on your SD card then you could view them. And you also got Word Mobile, which is an incredibly simple word processor. And that was fine although typing on this little tiny screen is just not something you wanted to do, especially in my case. I was at school, I wanted to use this thing for taking notes in class, and I did. But usually, I would just write it in the Notes app. Or what I did is actually got one of those fold-out keyboards. I don’t have that anymore but it would plug in the Active Sync thing and kind of created a little cradle situation. But yeah, don’t expect a whole lot in terms of customization or formatting of your documents, you get a grand total of two fonts: Tahoma or Courier New. That’s it, no Word Art here. But hey, no Clippy either so you take your wins where you can get them. Even more limited though is Excel Mobile. I can’t imagine anyone ever did any kind of serious work with spreadsheets on this little screen.

I would hate to actually make a substantial spreadsheet on this. It’s okay for doing edits to existing ones I suppose. Now let’s get to some of the more enjoyable, fun applications like Windows Media Player, which of course lets you play media like Cook Serve Delicious! 3?! fitgirl repack files. [LGR’s ‘Watto Cantina Hum’ remix plays over tinny PDA speakers] That was a huge reason that I wanted a PDA, I never had an iPod. I’ve still never had an iPod. So I was always interested in devices like this that let me do all sorts of things in addition to playing MP3s. And you could also view and do some very basic image manipulation with photographs, stuff like rotating and cropping and that’s about it. And yes there actually was a camera add-on for this device, which I never had. I would still like to get one just to try it out.

But yeah it was pretty neat to be able to take photos around with you like this, especially with digital cameras back then. I mean my HP digital camera had a one-inch display in 2005, so this one is almost four inches was pretty awesome. It also made it pretty great for watching back video files in the Windows Media Video format. [LGR video about the Tapwave Zodiac plays, still over those tinny PDA speakers] The speaker is not particularly great but it was pretty cool with headphones. And you know, it’s a 320×240 resolution screen, that’s not a massive amount or anything but it doesn’t really need it. This is a three-point seven-inch diagonal screen and it’s in 16-bit color.

The pixel density is really not that bad, I definitely watched a few episodes of Prison Break on this back in the day. And then finally there’s the wireless capability of this thing, which comes in the form of built-in Cook Serve Delicious! 3?! fitgirl repack. And no, this does not have Bluetooth, which a lot of reviewers dinged this device for back in the day but I didn’t really care about Bluetooth. Wi-Fi it was all I cared about and this iPAQ came with 802.11b support built-in. Still totally usable depending on the network you’re trying to connect to, but I’ve found that there are quite a few places and devices that no longer broadcast an 802.11b signal and stick to G or N. But an even bigger issue can be the wireless encryption and more often than not this is a real roadblock seeing as this device predates WPA2 being mandatory.

It doesn’t seem to support it at all so you have to find something with Cook Serve Delicious! 3?! fitgirl repack, or just no encryption at all. And you can probably get around that issue at home with your own router but connecting to public Wi-Fi in coffee shops or random businesses is a real toss-up. Most spots I tried don’t have the right signal, don’t use a supported encryption method, or they require a login webpage that the iPAQ didn’t know what to do with, treating what should be clickable buttons as text. Or not loading at all, sometimes even crashing the program. Heck, it’ll do that when you’re just trying to load any number of modern websites. The browser, in general, is just too outdated to be very usable, it won’t even load Google or anything with HTTPS. And really, this browser sucked in 2005 as well, which is why I ended up installing Opera for Pocket PCs even back then.

Well, that’s enough of that, let’s move on to the gaming side of things. Starting with the two rather lackluster games that it comes pre-installed with, the first one being Microsoft Solitaire. Which is just Solitaire? And Bubble Breaker, which is one of these things where you just kind of try to pop as many objects together as you can. As long as there are two are more connected then you can pop them. And that’s it, incredibly basic games that do not do this device justice whatsoever. Because really the RX1955, and all sorts of Pocket PCs from the mid-2000s, are quite capable gaming machines. And of course, getting games on there often meant that you had to plug it into a PC and get it going that way.

This is the CD that it came with installing under Windows XP and once that gets going, Active Sync will do its thing and sync any of your information on your PC that you tell it to. Or you can use it as an interface between your iPAQ and any downloaded programs that you want to install onto the machine. Or if you don’t want to do it that way or if your program, say, came in a CAB file — which a lot of homebrew and more illegitimate packages do — then you can just open up the Pocket PC right in Windows Explorer and then just copy and paste the CAB files and then open them directly from the iPAQ. And there you go, it’s not gonna ask for much of any verification. It might say, “oh unknown publisher,” but there’s nothing stopping you from installing pretty much anything you want on this thing. So yeah let’s just check out a few of the games that I bought or demoed back in the day starting with the official port of SimCity 2000. [SimCity 2000 theme music plays all happily] I actually bought this physically, I believe it was a Best Buy or something.

 

The Insurance Society of New York

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

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

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

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