Furry Ladies Download PC Game

Furry Ladies Download PC Game

Furry Ladies 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 Furry Ladies 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 Furry Ladies 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 Furry Ladies 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.

Furry Ladies for Android and iOS?

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

Also Read:

How To download and Install Furry Ladies

Now to download and Install Furry Ladies 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 Furry Ladies 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 Furry Ladies Download game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to Furry Ladies Download game on to your PC.
  4. Now if you want to watch the Furry Ladies Download game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Furry Ladies Download

Screenshots  (Tap To Enlarge)

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

 

Furry Ladies Gameplay and Reivew

They look so nice Furry Ladies download. I don’t know what this is about what is this Good Housekeeping promises a limited warranty to consumers replacement or refund if Defective is like Good Housekeeping gonna come by and give me a new Furry Ladies game download if it breaks like the magazine What is that check this out though? Holy nuts? 40-megabyte hard drive for $400 or $349 as it’s on sale during Christmas.

That’s a lot. That’s more than I expected even. What are these oh? Well, I guess these are smart dry so they’re a little different Maybe these I’ve never used before like these Furry Ladies igg games And the 1100 series kind of computers of it’s a really cool form factor and I like the fact that they have you know they run like a full ms-dos and Furry Ladies ocean of games and other things either using NEC v20 But it’s cool.

It’s a little compact thing that runs Furry Ladies torrent and holy crap Oh Baby, this is the centerfold computer of the catalog literally the center? In this very room. I’m proud of that. These are some of these are kind of hard to find This is an interesting little computer though Furry Ladies fitgirl repack. It’s a 286 ten megahertz 1, Meg of RAM, once again and a VGA Okay, here we go special purchase sound blaster incredible PC card with 11 voice music MIDI interface in software 140 dollars and you know if you were to hear one of these brand-new inboxes today like an eBay that still be a pretty Good deal South guards are getting darn collectible Gift problems to solve them electronically yeah it’s still my go-to piece of advice for myself got pocket calculators a sweet-looking friggin dinner and watch a Compact disc table clock which confuses me. I did not know that they sold those in stores I’ve seen like a million iterations of this that people just make themselves With like a clock kit and an old CD and put them together, but maybe at the time It was more novel and worth $15.

I don’t know Yeah, these little Franklin Furry Ladies PC download. These are kind of neat actually I have a few of them like this one You know the advanced spellchecker pretty much just a dictionary Get some language translators a kid spell checker with built-in games That would be pretty fun to look at dictionary-thesaurus language trainer, so those are kind of neat I pick those up sometimes when I find them in thrift stores and Yeah, here we go here. Here’s some of the cheaper junk that I really expected from RadioShack And it always amuses me is like well.

They’re actually advertising some of this garbage like here’s a $5 Flavor Radio yes these tasteful am radios for five bucks including blackberry blueberry and strawberry Yeah, I’ve got a blackberry Furry Ladies bike radio with a horn. That would have been amazing I woulda loved that as a kid. I was a weather radio, cube I’ve run across one of these in a thrift store not too long ago It’s just like a little cube, and it’s all clad in wood grain And it’s got a neat little button on the top And it just picks up the weather or weather radio station to 25 miles away. It’s just a cube. It’s like wood green The colors of Christmas at a light display here Little plasma ball, and that was on 90 staples definitely had one of those Same with a strobe light we have this exact same one clad and woodgrain like that the same design and everything I thought I think we got ours at Spencer’s a hundred caroling lights Computerized lights when is this twenty-one all-time favorite Christmas carols they dance in time with the music realistic keyboards now.

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

Perky Little Things Download PC Game

Perky Little Things Download PC Game

Perky Little Things 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 Perky Little Things 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 Perky Little Things 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 Perky Little Things 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.

Perky Little Things for Android and iOS?

Yes, you can download Perky Little Things on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Perky Little Things

Now to download and Install Perky Little Things 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 Perky Little Things 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 Perky Little Things Download

Screenshots  (Tap To Enlarge)

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

 

Perky Little Things Download
Perky Little Things Download
Perky Little Things Download
Perky Little Things Download

 

Perky Little Things Gameplay and Reivew

Oh, What Perky Little Things igg games? I guess that goes and oh yeah dashboard CD player for 360 bucks. My dad ended up putting one in his Mitsubishi truck Sometime in the mid-90s mid-late 90s.

I guess was late Perky Little Things ocean of games. I don’t know, but it was like oh, man it was so cool and I had no clue that Tammi did cell phones. What is this personal size cellphone goes anywhere? That’s pretty neat, so I’m intrigued I love Perky Little Things torrent stuff as you’ve probably seen if you saw my video a while back where I went into Radio Shack just before they Shut down and bought some Tandy things They brought back the brand right at the end car or carry you could put this one in the car or carry it around It’s the future Ask Santa Claus for your own Tandy facts Santa Claus give me a fax machine. I can just imagine 90 Santa getting orders for fax machines on his pager And he’s like oh, I just got a page about a fax machine better put it my Trapper Keeper.

And he writes his notes in a Trapper Keeper right next to a like a folder of a Lamborghini Countach Yeah, 90s Santa was the best he’s comedy outgoing message cassettes you give rich little volume one into comedy edition and Julie Dee’s, yeah I remember that being a thing there was one of our family friends had an answering machine They looked they were much older than this, but yeah they Had some Australian actor sounding dude doing the answering thing and it was funny I guess because it was like oh, they’re not Australian huh, I don’t know man This is the kind of area of this catalog that I was really wanting to get to because holy crap computers by Tandy it is Tandy Perky Little Things download and Then this one right here was this an 11-10 HD. Yep. Oh, I want them both I Still do even though. I have this one I want another one why not because it looks so new and fresh and clean then they’re not yellowed at all.

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

LUNA The Shadow Dust Fitgirl Repack

LUNA The Shadow Dust Download PC Game

LUNA The Shadow Dust 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 LUNA The Shadow Dust 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 LUNA The Shadow Dust 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 LUNA The Shadow Dust 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.

LUNA The Shadow Dust for Android and iOS?

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

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And next up, I’m planning on building a Windows XP machine to kind of bridge the gap between the Windows 98 games and the modern games. I need an- I need an in-between right there. Before I do that, though, I should probably learn more about how to build one of those. Is that- is that all you wanted? I- I hope that’s good, LUNA The Shadow Dust game download Well, one more point here in the favor of pre-built computers, and I’m totally on board. Getting something like this off of eBay or wherever is a great option, because usually even if it’s a little bit newer than the era you’re wanting to play games on if it’s not going beyond a certain point, it’s still going to work for the vast majority of games and in fact, the most common recommendation I give for people is just getting a Windows 98 computer, stick some components in there that are gonna be compatible if you need them, namely the sound card, so you can get some extra support. However, as he also mentioned, upgrading is a bit of a concern. And sometimes you’re limited by the form factor, like in the case of these Vectras, which, I really quite like. I have a lot of them myself, but… sometimes you’re limited by the space inside of there because it’s all cramped and it’s just not as convenient to work on as a tower. These horizontal desktops, as nostalgic as I can get for them, they can be a bit of aggravation to work on internally. That being said, let’s go ahead and get Retro Man Cave’s perspective. RMC: My go-to classic hardware for playing older games? For me, it starts with the 486 DX2-66. It fits perfectly with the era of the early ’90s games that I like to play. Powerful enough to tackle any game of that time, while not being so fast that old games without speed limiting don’t run too quickly or can’t easily be resolved. I’m certainly not a purist when it comes to classic hardware. Nobody has fond memories of single-speed CD-ROM drives. I go for the fastest I can put in, and an easily accessible CompactFlash drive replaces the hard disk. making transferring games to it from a modern system an absolute breeze. For audio, I’m a fan of the Audition 32, as advocated on Phil’sComputerLab. It’s fully Sound Blaster compatible, has great OPL3 sound, and most importantly, has an MPU-401 output port for my favorite part of the whole setup: the Roland SC-88 for sweet MIDI melodies. With backward compatibility for MT-32 instrument tables but not custom patches, it covers all of my music needs without breaking the bank on an MT-32. My games never sounded nor played better. LGR: Ahh, more 486 love. It makes my heart… heartened. You know, I dunno. I guess, it really is just because my first computer was a 486, but… it’s also just because a *ton* of games from the early to mid-’90s are going to run very well on there, and you also have the ability to add a few convenient upgrades and… that’s all you need! You know, a CompactFlash setup and maybe a good sound card, a MPEG card or anything like that, and you’re ready to go! And of course, a good CD-ROM and eh, I totally agree with him about not wanting to go with like a 1x or 2x, they’re just too slow to even be really nostalgically enjoyable, unless you’re trying to demonstrate how crappy things were *Chuckle* in these early iterations of hardware. Uh, but yeah. That’s just a great setup indeed, and in fact, also MIDI, he mentioned. Uh, this Roland Sound Canvas, I absolutely recommend that as well if you can. Uh, you may need a MIDI-compatible MPU-401 card installed, or you can go for a sound card like the Audition that he mentioned right there. I have one of those as well and it does work very nicely with MIDI. You may need to use a program like SoftMPU to get certain programs to work if they happen to require “intelligent mode,” but I’ve talked about that in previous videos. Either way, awesome setup. Uh, let’s move on though to PhilsComputerLab! PCL: Hey Clint, thank you for having me on your show! Here are my custom-built 4-in-1 DOS and Windows 98 time machine. It’s based around a Super Socket 7 motherboard, with the AMD K6-III+ processor, which lets you toggle the caches and CPU multiplier, so you can slow it down to a 386 and play those sensitive DOS games like Wing Commander, but it also has enough power for early Windows 3D games like Unreal. The video card I recommend is a 3DFX Voodoo 3. Excellent DOS compatibility, sharp image, and it support the Glide API. The Sound Blaster AWE64 Gold and a MIDI interface card handle the sound. I’ve also routed the CD audio signal to the back of the computer, as everything goes into an external mixer. And of course, a Roland MT-32 and a Sound Canvas. I mix it up with some modern parts, so I’m using a modern ATX case, power supply, a GoTek floppy emulator, and an IDE to SATA adapter, with a drive bay for easy access. So there you have it, Clint, you should be able to play around ten years worth of retro games on this machine. Thank you so much for having me on your show. LGR: So this is a kind of setup that really intrigues me because I haven’t exactly done it myself yet. And that is a nice mixture of old and new components working together to just make a streamlined, clean, uh very capable machine without going too fast, without going too slow, it’s kind of the best of both worlds of uh, modern tech and older classic retro hardware and software. I also like that he mentioned that you can disable the cache on there and you don’t have to worry about a turbo button or sometimes a turbo button isn’t enough. I have to disable the cache on my Woodgrain 486 when the turbo button isn’t enough to get say, Wing Commander, working properly. Games like that can be really tricky on faster hardware. and it’s also a thing where you may uh, want to run some software on top of that and he didn’t mention it, but I’ve used Mo’slow and LUNA The Shadow Dust igg games and all sorts of other CPU limiting programs in DOS and Windows 95, with some decent success. Uh, I’ve had less success with the Windows ones, but uh, the DOS ones like LUNA The Shadow Dust Fitgirl repack, yeah, sometimes that can do the trick. Alright, well, let’s move on to the next person here and that is The 8-Bit Guy. 8BG:

So what’s my favorite MS-DOS gaming machine? Well, ideally I think a 386 or 486 is probably about the right speed to use for a gaming machine for MS-DOS, but I don’t have a lot of space around my house, so… I don’t really have a room for the full desktop setup and the CRT monitor and stuff like that, so I tend to like laptops, and um… so this is what I use, this is a 486 laptop and it has the TFT active matrix screen, its resolution is LUNA The Shadow Dust ocean of games, so it’s perfect for MS-DOS games.

Now, granted, it doesn’t have any kind of internal sound card, but… there is a certain charm to listening to the um, the different PC speaker sounds, which pretty much every MS-DOS game had as a fallback if you didn’t have a sound card. BUT, if I’m not the mood to listen to that, I do have two other options here I sometimes use uh, this is an uh… Covox Sound Device, it plugs into the parallel port, it works with quite a few games, and uh, this is a brand-new product that I just got, which gives you LUNA The Shadow Dust skidrow compatibility on the parallel port, so uh, that’s two ways I can help to give me a little bit more authentic gaming experience on this laptop, but um… Yeah, so this is definitely my favorite MS-DOS machine. Yeah, this is exactly the kind of thing that I was hoping that David would dive into his segment, and he did. Uh, laptops and portables.

I mean, they’re a fantastic area for vintage computer exploration! It’s something that I’ve been getting into more myself in recent years, and I just think it’s really fascinating because even though you don’t have as much as a LUNA The Shadow Dust PC Download path, you know, it’s not as versatile as a desktop. It does take up a lot less space and there’s something really fascinating to me about having all these capabilities in a nice little compact package. Of course, there are obvious downsides like the sound devices being limited that he mentioned. And then sort of the later ones that often have very good sound chips built-in, with Ad-lib and Sound Blaster and Wave Blaster compatibility but is also paired with a really bad scaler.

So that means that you’re running an older DOS game or an older Windows game that’s a lower resolution and it tries to scale it up on the screen, and it looks like garbage. Sure, you can plug in an external monitor, but then you’re kind of getting beyond the point of using a laptop in the first place. when your concern is space, but Anyway, that being said, uh, laptops are a great option if you’re looking to get into a vintage computer setup, but don’t wanna commit to a whole lot of space taken up and set up and things like that. And they’re often pretty affordable, too, if you look around in the right places. And to finish this out here, last but not least, we have Ross Scott of Ross’s Game Dungeon and Accursed Farms. AF: Hey, Clint! So what do I do to play old games? Well, for DOS, it’s easy. DOSBox handles almost everything. I use the program D-Fend Reloaded as a frontend to make life easier for configuring everything. LUNA The Shadow Dust Fitgirl Download.

 

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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Hey guys, Metal Jesus here. Now, in my retro gaming PC, I was looking for something that perfectly encapsulated say, 1998 and 1999, something that would run, say, Battle Bugs and also DAEMON X MACHINA game download Core, and all the rest of these games that I have behind me here. Something that would run DOS and also Windows 98. So what I ended up doing was starting with this Dell. This is a DAEMON X MACHINA download. It has an Intel Pentium II processor in there.

Then we maxed out the motherboard with 384 megabytes of RAM, I believe. But as you guys know, it’s the video card and the sound card that determines how well all these games play. So, for this machine, we put a DAEMON X MACHINA igg gamesVoodoo 3 in there, 3000 is the model number, which works flawlessly both in DOS and in Windows. For the sound card, I decided to not go with something exotic because again, I’m looking for maximum compatibility both in DOS and Windows with every game I possibly can. So I went with the standard. I went with the Creative Labs Sound Blaster 16, and it works great. The final must piece for my machine is the floppy drive because so many of the games that I own are on either 3½ or 5¼ floppy. The problem is is that my motherboard will only take one at a time, so, right now I have a 3½ in there, but I do have a 5¼ that I can swap out if needed.

I’m very happy with it. DAEMON X MACHINA ocean of games, some very good points are brought up here because sometimes you wanna push it a little bit further than say a 486, and go with something that can also do Windows 98, but when you get into that era, or really, any era, sometimes you’re gonna just have to compromise. Like, in his case, where he was only able to run one type of floppy disk at the same time.

Sometimes, that can be due to the controller or the BIOS being used on the computer, other times, you just don’t have things working how it should, and it’s weird. I dunno, I’ve had that happen on several of my computers in that sort of late ‘DAEMON X MACHINA Fitgirl repack. And then, the other thing to mention there is that uh, while there are external 3½ inch drives for you know, older computers and more modern ones as well over USB, 5¼ inch, you’re kind of stuck with an internal one.

There are some adapters that let you use 5¼ inch drives on USB, but it’s only a read-only thing for the most part. Eh, writing is odd if you wanted to get it working externally, so something to keep in mind. Well anyway, the next person on the list is going to be Ancient DOS Games. ADG: So when it comes to DOS gaming, you might think I’d be the kind of person who prefers to use real hardware. But quite frankly, I just like emulating it on my Windows 10 machine.

Here’s the thing: If you wanna use real hardware for playing DOS games, Sure, it’s a perfectly valid option, it’s just you kinda need like three different machines to cover the whole gamut. You need something for the ’80s, you need something for the early ’90s, and you need something for the mid to late ’90s. So, with DOSBox, which is a DOS emulator, you can just… emulate all of those settings. You can set your machine speed, you can set the type of video support, you can set up different audio devices. And, you know what the best part is? Let’s say you wanna play a game with a joystick. If you’re using a real DOS machine, you’re limited to a four-button joystick. But with DOSBox, you have access to pretty much *any* kind of joystick.

And the best part is that because you’re not limited to four buttons, you can just assign any button to any keyboard key, or heck put joystick support into a DOS game that doesn’t even have it. LGR: Well, here we’re starting to get into the DAEMON X MACHINA skidrow side of things, as you might imagine if you’ve ever seen his show.

 

The Insurance Society of New York

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

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

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

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

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Download Azur Lane Crosswave 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 Azur Lane Crosswave igg games and ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download this awesome game.

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Now to download and Install Azur Lane Crosswave 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.

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Azur Lane Crosswave Download
Azur Lane Crosswave Download

Azur Lane Crosswave Gameplay and Review

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This may take the form of a switch that opens a set of tiles, or you might need to find a power-up like boots to increase your jumping height. Then there are plenty of spots where the solution isn’t obvious at all, and you’ll have to do some wall-humping to find a hidden passageway. And yeah, if you’re into finding tons of secrets like this, then Azur Lane Crosswave game download is the game for you. Some levels even feature large rooms that you’ll never see unless you uncover a secret entrance, and of course, this rewards the player in bonus items which lead to extra lives, and extra time, and points, and even bonus creatures to save. If you collect every single one of them, all the monsters turn into coins which can be picked up and take you to a bonus room after you exit the level. There’s no need to collect absolutely everything to reach the end, but if you do take the time along the way then you’ll be rewarded nicely. This also applies to collect passwords, which only happens if you gather five hidden blue orbs.

Since there’s no saving your game and you only get one continue on dying, having these passwords is kind of a big deal. Of course, you can just Google them nowadays and not bother with the orbs at all, which I totally did because of screw password systems and the lack of Azur Lane Crosswave download. I have zero desire to play for an hour and a half and lose it all just because I died without finding enough password orbs. And you know what, while we’re on the topic of irksome Azur Lane Crosswave igg games quirks, let’s talk about the sliding movement. While you don’t have any weapons or actions to take out monsters, you can temporarily knock them down by sliding into them if you have enough momentum.

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This would be fine if the sliding move worked reliably but yeah, it doesn’t. At least I never felt fully comfortable with it in the few hours I spent playing. You have to be incredibly precise with your key presses in order to get the right momentum going, otherwise, you come to a dead stop or you jump off in the wrong direction and Azur Lane Crosswave ocean of games. It’s really, really annoying in a few spots where it’s the only way to get to the end of the level. But really, that’s one of my only complaints in an otherwise pleasant and enjoyable little Azur Lane Crosswave torrent. Happyland Adventures Xmas Edition is one of, if not THE best, freeware Christmas games I’ve covered on Azur Lane Crosswave. It’s straightforward enough for kids to play, yet still provides some additional challenges for those that want a little more. And with its hours of appealing gameplay and inclusion of level editing software, it heartily embodies what I feel is the Christmas spirit with how generous it is with its content while remaining completely and utterly free of charge. Happyland Adventures Xmas Edition is almost too wholesome for this world, and I can’t help but enjoy it. And while this may be the final Christmas video for 2017.

And you know what, that’s just such a deep topic that goes all over the place that it’s really hard to answer. I attempted to do this seven or eight years ago with a video titled “What DOS PC Should You Buy?” And while there are several things that I mentioned there that are still going to be brought up here, ’cause they’re still relevant, there are several of the items that I would like to talk about that have gotten more expensive or harder to find and beyond that, I don’t want you to just take my word for it, so I have asked *nine* other Azur Lane Crosswave to be a part of this video and give their input on the topic. These are not only all channels that I totally recommend and watch all the time, but I know that they’re active in coming up with solutions to the kind of problems that we’re gonna be discussing today.

So the questions I asked each of them was what is your *go-to solution* for playing old PC games, whether it be earlier Windows games or DOS games, pretty much anything from 1981 to 2001 or so. Yeah, there are just a lot of topics to cover and a variety of issues, so let’s get right to it! So for this video, we’ll be assuming that your goal is retro gaming, and for that, you’ll really want to ask the question, “What do YOU want to do with an old PC?” or whatever solution that you happen to come up with because different games are gonna require different things. And in regards to this, the most frequent questions that I get about this are: Should I stick to pre-made computers from back in the day? Classic hardware from Compaq or Hewlett Packard or Dell or whoever. Or should I customize a slightly later machine with more modern components, and then install stuff as needed for compatibility with older games? Or should I build my own classic computer from scratch using spare parts? Or should I maybe just skip all of that altogether and stick to emulation and virtual machines or buying games off of GOG? Before we get to that, my personal go-to pick for an old computer that I like to play old games on is the LGR Woodgrain 486.

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