A Distant Stabbing Fitgirl Repack

Genres/Tags: Arcade, Side, 2D
Company: AndyK
Language: ENG
Original Size: 1.1 GB
Repack Size: 575 MB

A Distant Stabbing Fitgirl Repack Download PC Game

A Distant Stabbing 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 A Distant Stabbing 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.

Kenshi 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 A Distant Stabbing igg games and the ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download A Distant Stabbing Fitgirl awesome game.

Download Mirrors A Distant Stabbing Fitgirl Repack

  • 1337x | KAT – [magnet] [.torrent file only]
  • RuTor [magnet]
  • Tapochek.net
  • Filehoster: MultiUpload (10+ hosters, interchangeable) [Use JDownloader2]
  • Filehoster: Google Drive (Uploaded by hermietkreeft)
  • Filehosters: Google Drive + 8 other (Uploaded by LaRoyal, NOT compatible with other mirrors)

Repack Features

  • Based on A.Distant.Stabbing-TiNYiSO ISO release: tn-adistantstabbing.iso (1,177,679,872 bytes)
  • 100% lossless and MD5 Absolutely perfect: all files are identical to the originals after installation
  • Nothing was ripped, nothing was re-coded
  • A significantly smaller size archive (compressed from 1.1 575 MB to 1.1 GB)
  • Installation takes about one minute.
  • Check for integrity after-installation so you can be sure everything was installed correctly
  • HDD space after installation: 1.2 GB
  • Repack utilizes the XTool library of Razor12911.
  • A minimum of 2 GB of memory (inc. the virtual) needed to install this pack

Game Description

Are you in a the line, waiting for a match to begin? Are you at a high level and the servers are trying to find players with the same level of level of skill? 

Are you looking to be playing something which will make you tilt before you ever get started?

“A Distant Stabbing” was designed for just this!

A highly strategic platformer in which every shot could bring you closer to the goal at the top of the tower or bring you back to where you started from. Or worse.

You and your friends must test how quickly you will get there, while being efficient in how many shots you shoot to reach your goal.

Shoot, teleport, repeat.

“A game that is designed to irritate us?
I’m curious what led you from the idea that it could be a successful selling message .”
-A stranger online

Game Features

  • A Game Utilizing angles as well as patience, aim every shot in the direction that you can achieve an ideal bounce (or stick) of your arrow, ensuring you achieve the maximum height upwards feasible. The longer you hold your shot the more likely your arrow will bounce! When it does the hero will be teleported to the desired location, meaning you can start the process again.
  • The Tower When you make to climb to the top, you may find something unusual happening in this sleepy building! Discover environmental storytelling that points to a larger danger than the one you see at the highest point. What is the depth to which the story is?
  • The Hero Take on the role of a anonymous, voiceless, inactive hero who must get rid of the person who is the owner of this tower. Why? Most likely so that this game could be played out. The only way to know is when.
  • Why? I wanted to create something that could provoke people’s anger. I also wanted to create something that could do while I waited for matches to begin in other, more enjoyable games. It’s great to climb and it is terrible to fall, and it’s even more painful to fail just after losing a ranking match of other games.
  • Stats: I have included a simple Stat tracker to make sure that every achievement is earned with the evidence. Take a look yourself, and also show your buddies how many times you’ve beaten the tower. Or had “accidents”.

Troublshooting A Distant Stabbing Fitgirl Repack Download

Also Read:

The Fire Insurance Policy as a Contract

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

William N. Bament, General Adjuster The Home Insurance Company, New York
The seal used by the Insurance Department of the State of New York for many years contained the following in¬ scription: “Alter alterius onera portate ”—“Bear ye one another’s burdens,” and it would be difficult to conceive of a more highly appropriate motto for such a department, or a more felicitous expression with which to symbolize the underlying principle of insurance.
According to the authorities, insurance was originally held to be in effect nothing but a mere wager, and it was a matter of grave doubt whether as a principle of ethics it should be allowed, but for many years it has been regarded as the handmaid of commerce and an absolute business neces¬ sity, the gambling element being eliminated or reduced to a minimum by the fact that in order to support a valid contract the party insured must have an insurable interest in the subject thereof.
It is undoubtedly true that in the early part of the eighteenth century, in addition to the regular business of insurance, wagering contracts were issued both in England and on the Continent, covering almost every conceivable subject or event, but about the middle of the same century the issuing of wagering policies was prohibited by statute and Lord Mansfield, who may justly be regarded as the father of insurance law, rendered his famous decision making an insurable interest the basis of the contract. This put an end to the demoralizing practice and paved the way for the marvelous development of legitimate insurances, and placed the business upon the high plane where it now rests and where it is universally regarded as one of the bulwarks of our mercantile, industrial and social life.
The oldest form of insurance is marine, which was doubtless in vogue among the ancients, but did not assume anything approaching its present form until the twelfth or thirteenth century, when it was taken up by the Lombards who resided in Northern Italy. They had branches in all the important cities of Europe and some of them settled in London, and Lombard Street, London, which takes its name from them, became in time the great marine underwriting center of the world.
It was not, however, until the great London conflagra¬ tion of 1666, that people awoke to a realization of the great danger of loss by fire, and it was not until thirty years later that anything except sporadic efforts were made toward placing fire insurance upon a firm basis, but during the past two centuries it has steadily grown in public favor and is now by far the most popular of all the various departments of insurance.
Contracts of insurance, although they may be by parol, are almost universally reduced to writing in an instrument called the “policy,” which word is most probably of Italian derivation and signifies a promise or a note or memorandum in writing.
In addition to the necessity of an insurable interest, there are a number of other elements essential to a legitimate contract of insurance; it is primarily a contract of indemnity; it requires the utmost good faith on the part of all parties thereto; there must be a risk which may result in a real loss which neither party has the power to avert or hasten, and it is incumbent upon the insured to communicate to the insurer all facts material to the risk.
In order to constitute an insurable interest, the insured must be so circumstanced with respect to the property subject to loss or damage by fire, that he may be benefited by its safety or prejudiced by its destruction, and this includes a great variety of relations.
The following interests may be mentioned as insurable: An owner, in whole or in part, of the property; a vendor and vendee under an executory contract of sale; a mortgagee; a remainderman; a lessee in improvements to the building or land or in his profit on the lease, or one who has obligated himself to restore the property or to pay rent; a landlord in the rents or rental value of the property; a warehouseman or bailee in advances or charges, or on his assumed liability ; a common carrier on its liability; an owner in his profits ; a merchant or manufacturer in the use and occupancy of his store or plant. A right to future possession, or a future interest, no matter how improbable its attainment, will support an insurable interest, whereas a mere expectancy, no matter how probable its realization, will not, although recent decisions by certain courts in this country seem to indicate some de¬ parture from this time-honored priniciple.
A policy of insurance is an aleatory contract in the sense that it embodies the element of chance and is contingent upon some event which may or may not occur. It is a reciprocal contract in that it involves mutual obligations.

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

It is a voluntary contract whether it be a form prescribed by the state or not, and when issued by the insurer and accepted by the insured, both are bound by its provisions. It is a personal contract and does not’follow the property nor pass with the title unless assigned with the consent of the insurer. The personal nature of the contract becomes increasingly evident when it is realized that it is not property as such which is insured, but the individual, although the words “property insured” by reason of continuous use, have become an insurance idiom. It is a conditional contract and its validity depends upon its conditions being complied with. This is necessarily so for the reason that for a com¬ paratively small consideration, the insurer may be called upon to pay a large amount, and because the contract is designed to cover every conceivable class of property and protect virtually every interest known to the commercial world.
The policy must protect the insurer against material misrepresentation, abandonment of property, over-insurance, over-loading of buildings, extravagant claims, increase in risk and moral hazard, both before and after a loss, for inasmuch as many fires are welcomed if not desired, if a moral hazard does not exist before, it not infrequently develops after a loss has occurred. It is on this account and because insurance companies deal with all sorts and conditions of men that the standard policy in current use, contains provisions exempting the insurer from liability for any one of a dozen or more sins of commission on the part of the insured, and for any one of an equal number of sins of omission, and provides that the company shall not be liable for loss caused in a dozen different ways, nor for loss on eight classes of property under any circumstances, nor for loss on about a score of others unless liability is specifically assumed thereon. For¬ tunately for the public, insurance companies do not always stand upon their technical rights, but on the contrary, are disposed to view all meritorious claims in a spirit of the broadest liberality. It is doubtful if one person in a thousand ever reads his policy, especially the printed conditions, but it is not the only well-known piece of literature relating to protection from fire, that people ought to read but do not.
The adoption of a standard fire policy by the State of New York in 1886, marked a great advance in the insurance contract. The ornate policies in use prior to that time, with no uniformity in conditions, with their classification of haz¬ ards, which few could understand, and their fine print, which no one not possessing unusually acute vision could read, gave way to the plainly printed uniform policy, which materially simplified conditions, which was adopted either verbatim or with slight modifications by other states, so that it is probably safe to say that for the past thirty years, fully seventy-five per cent of all the policies issued, outside of the states having standard policies of their own, have been the New York Standard. Although this has not resulted in uniformity of decisions, it has had the effect of materially restricting litigation and has been of incalculable benefit both to the insurer and the insured. A new standard policy is to go into effect in New York January 1, 1918. It has already been adopted by several states and will no doubt be by others in the not dis¬ tant future. From time immemorial it has been the uniform practice of the courts to construe the insurance contract most liberally in favor of the insured as against the insurer in accordance with the general rule that the contract should be construed most strictly against the one by whom it is pre¬ pared. The standardizing of the policy by the legislatures of the various states has neutralized this tendency to some extent, but the courts can safely be relied upon to prevent forfeiture if it can be done without undue violence to the plain intent of the contract.
Insurance companies are not inclined to resist the pay¬ ment of claims, but on the contrary, they sometimes approach the extreme limit of propriety, generosity and good morals, in their efforts to avoid litigation. This is evidenced by the fact that of all the losses which occur, probably not more than one-fifth of one per cent become the subject of litigation, and one-half of these are settled before the cases come to trial. To put it another way, out of all the policies issued, the courts are not called upon to adjudicate claims under more than one out of every thirty thousand, which may be regarded as quite a favorable commentary upon the mutual fainnindedness of the companies and the insuring public.
Too great emphasis cannot be laid upon the contractual nature of the policy. By accepting it the insured, in the absence of mutual error, which, of course, can be corrected, becomes bound by all the descriptions, representations, war¬ ranties and conditions, written or printed, contained therein. Every property owner should read his policy, the written portion, in order to see that everything he desires covered is mentioned therein, and that the description, location, amount and dates are correct; and the printed portion, in order to obtain information with regard to his duties and obligations. He should comply with all conditions of the contract and be in a position, when a loss occurs, to demand as a right, and not to receive as a matter of grace, payment from the insurer.

Trailmakers Fitgirl Repack

Genres/Tags: Racing, Open world, Physics-based, Sandbox, 3D
Company: Flashbulb Games
Languages: RUS/ENG/MULTI13
Original Size: 4.3 GB
Repack Size: 2.1/2.3 GB [Selective Download]

Trailmakers Fitgirl Repack Download PC Game

Trailmakers 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 Trailmakers 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.

Trailmakers 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 Trailmakers igg games and the ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download Trailmakers  Fitgirl awesome game.

Download Mirrors Trailmakers Fitgirl Repack

  • 1337x | KAT – [magnet] [.torrent file only]
  • RuTor [magnet]
  • Tapochek.net
  • Filehoster: MultiUpload (10+ hosters, interchangeable) [Use JDownloader2]
  • Filehoster: Google Drive (Uploaded by hermietkreeft)
  • Filehosters: Google Drive + 8 other (Uploaded by LaRoyal, NOT compatible with other mirrors)

Repack Features

  • Based on Trailmakers.High.Seas-CODEX ISO release: codex-trailmakers.high.seas.iso (4,594,466,816 bytes)
  • Version of the game: v1.4.0.36853; 4 DLCs are available and activated
  • 100% lossless and MD5 Absolutely perfect: all files are exactly like the originals after installation
  • Nothing was ripped, nothing was re-encoded
  • You can choose to skip the downloading and installation of useless Xbox One controller videos
  • A significantly smaller size archive (compressed between 4.3 to 2.1/2.3 1 GB)
  • Installation takes 3-5 minutes (depending on your system)
  • Check for integrity after-installation so you can be sure everything is installed correctly
  • Space on HDD after installing Up to 6.1 GB
  • Utilize “Language Changer.bat” in game root to alter the game’s language.
  • Minimum 2GB of memory (inc. the virtual) needed to install this pack

Game Description:

Build a car plane, boat or even an… Carplaneboat? With the Trailmakers builder’s intuitive interface It’s as easy to join real blocks of construction. You can take your machine on risky exploration missions, thrilling rallies, or head to the sandbox to build the hovercraft that you’ve always wanted to build. 

Game Features

  • Build with confidence using modular blocks. It’s simple to begin as the options are endless.
  • Explore the vast, open world and escape the planet with”Stranded in Space,” a survival-themed game “Stranded in Space”
  • Take part in thrilling rally races using your own vehicles design.
  • Create your own game with no limitations with two sandbox maps that are filled with jumps, half pipes catapults, aircraft carriers and other awe-inspiring obstacles.
  • Take on the leaderboards of the world in race and rally modes.
  • Four player drop in drop out multiplayer game modes.
  • A growing and active community, with a variety of pre-built vehicles that are ready to be tested.
  • There’s always something to do: Participate in at the Trailmakers Rally, take on challenges or take part in the sandbox, race with your teammates or shoot one another to pieces.

Included DLCs

  • Hat Pack DLC
  • Skin Pack DLC
  • Skin Pack 2
  • High Seas Expansion

Troublshooting Trailmakers Fitgirl Repack Download

Also Read:

The Fire Insurance Policy as a Contract

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

William N. Bament, General Adjuster The Home Insurance Company, New York
The seal used by the Insurance Department of the State of New York for many years contained the following in¬ scription: “Alter alterius onera portate ”—“Bear ye one another’s burdens,” and it would be difficult to conceive of a more highly appropriate motto for such a department, or a more felicitous expression with which to symbolize the underlying principle of insurance.
According to the authorities, insurance was originally held to be in effect nothing but a mere wager, and it was a matter of grave doubt whether as a principle of ethics it should be allowed, but for many years it has been regarded as the handmaid of commerce and an absolute business neces¬ sity, the gambling element being eliminated or reduced to a minimum by the fact that in order to support a valid contract the party insured must have an insurable interest in the subject thereof.
It is undoubtedly true that in the early part of the eighteenth century, in addition to the regular business of insurance, wagering contracts were issued both in England and on the Continent, covering almost every conceivable subject or event, but about the middle of the same century the issuing of wagering policies was prohibited by statute and Lord Mansfield, who may justly be regarded as the father of insurance law, rendered his famous decision making an insurable interest the basis of the contract. This put an end to the demoralizing practice and paved the way for the marvelous development of legitimate insurances, and placed the business upon the high plane where it now rests and where it is universally regarded as one of the bulwarks of our mercantile, industrial and social life.
The oldest form of insurance is marine, which was doubtless in vogue among the ancients, but did not assume anything approaching its present form until the twelfth or thirteenth century, when it was taken up by the Lombards who resided in Northern Italy. They had branches in all the important cities of Europe and some of them settled in London, and Lombard Street, London, which takes its name from them, became in time the great marine underwriting center of the world.
It was not, however, until the great London conflagra¬ tion of 1666, that people awoke to a realization of the great danger of loss by fire, and it was not until thirty years later that anything except sporadic efforts were made toward placing fire insurance upon a firm basis, but during the past two centuries it has steadily grown in public favor and is now by far the most popular of all the various departments of insurance.
Contracts of insurance, although they may be by parol, are almost universally reduced to writing in an instrument called the “policy,” which word is most probably of Italian derivation and signifies a promise or a note or memorandum in writing.
In addition to the necessity of an insurable interest, there are a number of other elements essential to a legitimate contract of insurance; it is primarily a contract of indemnity; it requires the utmost good faith on the part of all parties thereto; there must be a risk which may result in a real loss which neither party has the power to avert or hasten, and it is incumbent upon the insured to communicate to the insurer all facts material to the risk.
In order to constitute an insurable interest, the insured must be so circumstanced with respect to the property subject to loss or damage by fire, that he may be benefited by its safety or prejudiced by its destruction, and this includes a great variety of relations.
The following interests may be mentioned as insurable: An owner, in whole or in part, of the property; a vendor and vendee under an executory contract of sale; a mortgagee; a remainderman; a lessee in improvements to the building or land or in his profit on the lease, or one who has obligated himself to restore the property or to pay rent; a landlord in the rents or rental value of the property; a warehouseman or bailee in advances or charges, or on his assumed liability ; a common carrier on its liability; an owner in his profits ; a merchant or manufacturer in the use and occupancy of his store or plant. A right to future possession, or a future interest, no matter how improbable its attainment, will support an insurable interest, whereas a mere expectancy, no matter how probable its realization, will not, although recent decisions by certain courts in this country seem to indicate some de¬ parture from this time-honored priniciple.
A policy of insurance is an aleatory contract in the sense that it embodies the element of chance and is contingent upon some event which may or may not occur. It is a reciprocal contract in that it involves mutual obligations.

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

It is a voluntary contract whether it be a form prescribed by the state or not, and when issued by the insurer and accepted by the insured, both are bound by its provisions. It is a personal contract and does not’follow the property nor pass with the title unless assigned with the consent of the insurer. The personal nature of the contract becomes increasingly evident when it is realized that it is not property as such which is insured, but the individual, although the words “property insured” by reason of continuous use, have become an insurance idiom. It is a conditional contract and its validity depends upon its conditions being complied with. This is necessarily so for the reason that for a com¬ paratively small consideration, the insurer may be called upon to pay a large amount, and because the contract is designed to cover every conceivable class of property and protect virtually every interest known to the commercial world.
The policy must protect the insurer against material misrepresentation, abandonment of property, over-insurance, over-loading of buildings, extravagant claims, increase in risk and moral hazard, both before and after a loss, for inasmuch as many fires are welcomed if not desired, if a moral hazard does not exist before, it not infrequently develops after a loss has occurred. It is on this account and because insurance companies deal with all sorts and conditions of men that the standard policy in current use, contains provisions exempting the insurer from liability for any one of a dozen or more sins of commission on the part of the insured, and for any one of an equal number of sins of omission, and provides that the company shall not be liable for loss caused in a dozen different ways, nor for loss on eight classes of property under any circumstances, nor for loss on about a score of others unless liability is specifically assumed thereon. For¬ tunately for the public, insurance companies do not always stand upon their technical rights, but on the contrary, are disposed to view all meritorious claims in a spirit of the broadest liberality. It is doubtful if one person in a thousand ever reads his policy, especially the printed conditions, but it is not the only well-known piece of literature relating to protection from fire, that people ought to read but do not.
The adoption of a standard fire policy by the State of New York in 1886, marked a great advance in the insurance contract. The ornate policies in use prior to that time, with no uniformity in conditions, with their classification of haz¬ ards, which few could understand, and their fine print, which no one not possessing unusually acute vision could read, gave way to the plainly printed uniform policy, which materially simplified conditions, which was adopted either verbatim or with slight modifications by other states, so that it is probably safe to say that for the past thirty years, fully seventy-five per cent of all the policies issued, outside of the states having standard policies of their own, have been the New York Standard. Although this has not resulted in uniformity of decisions, it has had the effect of materially restricting litigation and has been of incalculable benefit both to the insurer and the insured. A new standard policy is to go into effect in New York January 1, 1918. It has already been adopted by several states and will no doubt be by others in the not dis¬ tant future. From time immemorial it has been the uniform practice of the courts to construe the insurance contract most liberally in favor of the insured as against the insurer in accordance with the general rule that the contract should be construed most strictly against the one by whom it is pre¬ pared. The standardizing of the policy by the legislatures of the various states has neutralized this tendency to some extent, but the courts can safely be relied upon to prevent forfeiture if it can be done without undue violence to the plain intent of the contract.
Insurance companies are not inclined to resist the pay¬ ment of claims, but on the contrary, they sometimes approach the extreme limit of propriety, generosity and good morals, in their efforts to avoid litigation. This is evidenced by the fact that of all the losses which occur, probably not more than one-fifth of one per cent become the subject of litigation, and one-half of these are settled before the cases come to trial. To put it another way, out of all the policies issued, the courts are not called upon to adjudicate claims under more than one out of every thirty thousand, which may be regarded as quite a favorable commentary upon the mutual fainnindedness of the companies and the insuring public.
Too great emphasis cannot be laid upon the contractual nature of the policy. By accepting it the insured, in the absence of mutual error, which, of course, can be corrected, becomes bound by all the descriptions, representations, war¬ ranties and conditions, written or printed, contained therein. Every property owner should read his policy, the written portion, in order to see that everything he desires covered is mentioned therein, and that the description, location, amount and dates are correct; and the printed portion, in order to obtain information with regard to his duties and obligations. He should comply with all conditions of the contract and be in a position, when a loss occurs, to demand as a right, and not to receive as a matter of grace, payment from the insurer.

Savage Lands Fitgirl Repack

Genres/Tags: Action, Survival, First-person, 3D
Company: Last Bastion Studios LLC
Language: ENG
Original Size: 1.9 GB
Repack Size: 1.1 GB

Savage Lands Fitgirl Repack Download PC Game

Savage Lands 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 Savage Lands 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.

Savage Lands 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 Savage Lands igg games and the ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download Savage Lands Fitgirl awesome game.

Download Mirrors Savage Lands Fitgirl Repack

  • 1337x | KAT – [magnet] [.torrent file only]
  • RuTor [magnet]
  • Tapochek.net
  • Filehoster: MultiUpload (10+ hosters, interchangeable) [Use JDownloader2]
  • Filehoster: Google Drive (Uploaded by hermietkreeft)
  • Filehosters: Google Drive + 8 other (Uploaded by LaRoyal, NOT compatible with other mirrors)

Repack Features

  • Based on Savage.Lands-PLAZA ISO release: plaza-savage.lands.iso (2,040,791,040 bytes)
  • 100% lossless and MD5 Complete: All files are identical to the originals after installation
  • Nothing was ripped, nothing was re-encoded
  • A significantly smaller size archive (compressed between 1.9 up to 1.1 GB)
  • Installation takes two minutes
  • Integrity check after installation so that you can ensure that everything was installed correctly
  • HDD space after installation: 3.6 GB
  • A minimum of 2GB of memory (inc. the virtual) is required to install this pack

Game description

Savage Lands is an exciting adventure in a sandbox of fantasy that will take players to a thrilling adventure through the world devastated by years of warfare between man as well as Dragon kind. Players must face an unforgiving and vast open landscape in which every choice is crucial crafting/selling powerful armor and weapons as they explore hostile landscapes and dark dungeons, battle monsters that are a threat, collect resources, and construct shelters to live. 

Game Features

  • open-world: Find a new fantasy realm, and unravel the mysteries of the remnants of an ancient civilization.
  • Fighting Brutal: Protect yourself from an overwhelming range of dangerous creatures ranging from giants of immense size to vicious wild wolves. Plan your equipment and your strategies carefully, or your next battle may be the last one you have.
  • Crafting and looting: Craft and loot an arsenal of exclusive equipment, weapons and armor to aid you in slaying the numerous kinds of monsters that are scattered across the globe.
  • Intuitive Building System: Create basic shelters or entire towns to boost the chances for survival Savage Lands.
  • Resources Management Get the most out of natural resources as well as hunt the island’s fauna and loot the remains of the fallen foes to construct, craft, and thrive in the harsh wilderness.
  • Multiplayer-Co-op Join forces with friends or make new alliances with other warriors to bring down the dragon’s rule over the entire land.
  • Universal Character and World Save System: Never lose your progress, effortlessly switch across offline (co-op) or offline (solo) use your most loved character and the the world.

Troublshooting Savage Lands Fitgirl Repack Download

Also Read:

The Fire Insurance Policy as a Contract

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

William N. Bament, General Adjuster The Home Insurance Company, New York
The seal used by the Insurance Department of the State of New York for many years contained the following in¬ scription: “Alter alterius onera portate ”—“Bear ye one another’s burdens,” and it would be difficult to conceive of a more highly appropriate motto for such a department, or a more felicitous expression with which to symbolize the underlying principle of insurance.
According to the authorities, insurance was originally held to be in effect nothing but a mere wager, and it was a matter of grave doubt whether as a principle of ethics it should be allowed, but for many years it has been regarded as the handmaid of commerce and an absolute business neces¬ sity, the gambling element being eliminated or reduced to a minimum by the fact that in order to support a valid contract the party insured must have an insurable interest in the subject thereof.
It is undoubtedly true that in the early part of the eighteenth century, in addition to the regular business of insurance, wagering contracts were issued both in England and on the Continent, covering almost every conceivable subject or event, but about the middle of the same century the issuing of wagering policies was prohibited by statute and Lord Mansfield, who may justly be regarded as the father of insurance law, rendered his famous decision making an insurable interest the basis of the contract. This put an end to the demoralizing practice and paved the way for the marvelous development of legitimate insurances, and placed the business upon the high plane where it now rests and where it is universally regarded as one of the bulwarks of our mercantile, industrial and social life.
The oldest form of insurance is marine, which was doubtless in vogue among the ancients, but did not assume anything approaching its present form until the twelfth or thirteenth century, when it was taken up by the Lombards who resided in Northern Italy. They had branches in all the important cities of Europe and some of them settled in London, and Lombard Street, London, which takes its name from them, became in time the great marine underwriting center of the world.
It was not, however, until the great London conflagra¬ tion of 1666, that people awoke to a realization of the great danger of loss by fire, and it was not until thirty years later that anything except sporadic efforts were made toward placing fire insurance upon a firm basis, but during the past two centuries it has steadily grown in public favor and is now by far the most popular of all the various departments of insurance.
Contracts of insurance, although they may be by parol, are almost universally reduced to writing in an instrument called the “policy,” which word is most probably of Italian derivation and signifies a promise or a note or memorandum in writing.
In addition to the necessity of an insurable interest, there are a number of other elements essential to a legitimate contract of insurance; it is primarily a contract of indemnity; it requires the utmost good faith on the part of all parties thereto; there must be a risk which may result in a real loss which neither party has the power to avert or hasten, and it is incumbent upon the insured to communicate to the insurer all facts material to the risk.
In order to constitute an insurable interest, the insured must be so circumstanced with respect to the property subject to loss or damage by fire, that he may be benefited by its safety or prejudiced by its destruction, and this includes a great variety of relations.
The following interests may be mentioned as insurable: An owner, in whole or in part, of the property; a vendor and vendee under an executory contract of sale; a mortgagee; a remainderman; a lessee in improvements to the building or land or in his profit on the lease, or one who has obligated himself to restore the property or to pay rent; a landlord in the rents or rental value of the property; a warehouseman or bailee in advances or charges, or on his assumed liability ; a common carrier on its liability; an owner in his profits ; a merchant or manufacturer in the use and occupancy of his store or plant. A right to future possession, or a future interest, no matter how improbable its attainment, will support an insurable interest, whereas a mere expectancy, no matter how probable its realization, will not, although recent decisions by certain courts in this country seem to indicate some de¬ parture from this time-honored priniciple.
A policy of insurance is an aleatory contract in the sense that it embodies the element of chance and is contingent upon some event which may or may not occur. It is a reciprocal contract in that it involves mutual obligations.

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

It is a voluntary contract whether it be a form prescribed by the state or not, and when issued by the insurer and accepted by the insured, both are bound by its provisions. It is a personal contract and does not’follow the property nor pass with the title unless assigned with the consent of the insurer. The personal nature of the contract becomes increasingly evident when it is realized that it is not property as such which is insured, but the individual, although the words “property insured” by reason of continuous use, have become an insurance idiom. It is a conditional contract and its validity depends upon its conditions being complied with. This is necessarily so for the reason that for a com¬ paratively small consideration, the insurer may be called upon to pay a large amount, and because the contract is designed to cover every conceivable class of property and protect virtually every interest known to the commercial world.
The policy must protect the insurer against material misrepresentation, abandonment of property, over-insurance, over-loading of buildings, extravagant claims, increase in risk and moral hazard, both before and after a loss, for inasmuch as many fires are welcomed if not desired, if a moral hazard does not exist before, it not infrequently develops after a loss has occurred. It is on this account and because insurance companies deal with all sorts and conditions of men that the standard policy in current use, contains provisions exempting the insurer from liability for any one of a dozen or more sins of commission on the part of the insured, and for any one of an equal number of sins of omission, and provides that the company shall not be liable for loss caused in a dozen different ways, nor for loss on eight classes of property under any circumstances, nor for loss on about a score of others unless liability is specifically assumed thereon. For¬ tunately for the public, insurance companies do not always stand upon their technical rights, but on the contrary, are disposed to view all meritorious claims in a spirit of the broadest liberality. It is doubtful if one person in a thousand ever reads his policy, especially the printed conditions, but it is not the only well-known piece of literature relating to protection from fire, that people ought to read but do not.
The adoption of a standard fire policy by the State of New York in 1886, marked a great advance in the insurance contract. The ornate policies in use prior to that time, with no uniformity in conditions, with their classification of haz¬ ards, which few could understand, and their fine print, which no one not possessing unusually acute vision could read, gave way to the plainly printed uniform policy, which materially simplified conditions, which was adopted either verbatim or with slight modifications by other states, so that it is probably safe to say that for the past thirty years, fully seventy-five per cent of all the policies issued, outside of the states having standard policies of their own, have been the New York Standard. Although this has not resulted in uniformity of decisions, it has had the effect of materially restricting litigation and has been of incalculable benefit both to the insurer and the insured. A new standard policy is to go into effect in New York January 1, 1918. It has already been adopted by several states and will no doubt be by others in the not dis¬ tant future. From time immemorial it has been the uniform practice of the courts to construe the insurance contract most liberally in favor of the insured as against the insurer in accordance with the general rule that the contract should be construed most strictly against the one by whom it is pre¬ pared. The standardizing of the policy by the legislatures of the various states has neutralized this tendency to some extent, but the courts can safely be relied upon to prevent forfeiture if it can be done without undue violence to the plain intent of the contract.
Insurance companies are not inclined to resist the pay¬ ment of claims, but on the contrary, they sometimes approach the extreme limit of propriety, generosity and good morals, in their efforts to avoid litigation. This is evidenced by the fact that of all the losses which occur, probably not more than one-fifth of one per cent become the subject of litigation, and one-half of these are settled before the cases come to trial. To put it another way, out of all the policies issued, the courts are not called upon to adjudicate claims under more than one out of every thirty thousand, which may be regarded as quite a favorable commentary upon the mutual fainnindedness of the companies and the insuring public.
Too great emphasis cannot be laid upon the contractual nature of the policy. By accepting it the insured, in the absence of mutual error, which, of course, can be corrected, becomes bound by all the descriptions, representations, war¬ ranties and conditions, written or printed, contained therein. Every property owner should read his policy, the written portion, in order to see that everything he desires covered is mentioned therein, and that the description, location, amount and dates are correct; and the printed portion, in order to obtain information with regard to his duties and obligations. He should comply with all conditions of the contract and be in a position, when a loss occurs, to demand as a right, and not to receive as a matter of grace, payment from the insurer.

MechWarrior 5 Fitgirl Repack

Genres/Tags: Action, Shooter, Pirate/Privateer, First-person, Third-person, 3D, Mecha
Company: Piranha Games
Languages: RUS/ENG/MULTI4
Original Size: 21.8 GB
Repack Size: from 12.5 GB [Selective Download]

MechWarrior 5 Fitgirl Repack Download PC Game

MechWarrior 5 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 MechWarrior 5 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.

MechWarrior 5 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 MechWarrior 5 igg games and the ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download MechWarrior 5 Fitgirl awesome game.

Download Mirrors MechWarrior 5 Fitgirl Repack

  • 1337x | KAT – [magnet] [.torrent file only]
  • RuTor [magnet]
  • Tapochek.net
  • Filehoster: MultiUpload (10+ hosters, interchangeable) [Use JDownloader2]
  • Filehoster: Google Drive (Uploaded by hermietkreeft)
  • Filehosters: Google Drive + 8 other (Uploaded by LaRoyal, NOT compatible with other mirrors)

Repack Features

  • Based on MechWarrior.5.Mercenaries.JumpShip.Edition-CODEX ISO release: codex-mechwarrior.5.mercenaries.jumpship.edition.iso (23,453,859,840 bytes)
  • Game version : v1.1.315 2. DLCs (Heroes of the Inner Sphere and Legend of the Kestrel Lancers) are available and are activated
  • Completely Lossless and MD5 Absolutely perfect: all files are identical to the originals after installation
  • Absolutely nothing was copied, not a single thing was changed.
  • The feature of Selective Download: You can not download intro videos in four languages, background videos for credits, Xbox tutorial videos and extra content (3 Soundtracks as well as a Technical Manual and Wallpapers)
  • A significantly smaller size archive (compressed between 21.8 up to 12.5~14.6 GB, based on the components you choose)
  • Installation takes between 7 and 20 minutes (depending on the system you have installed and other components)
  • Check for integrity after-installation so you can be sure everything is installed correctly
  • HDD storage after installing Up to 47 GB of space on the HDD after installation (52 GB after installation)
  • The language can be altered in game settings.
  • Repack makes use of the XTool library provided by Razor12911.
  • A minimum of 2 GB of memory (inc. the virtual) needed to install this Repack

Game Description:

The Year is 2030. Humanity has colonized thousands systems in a vast area of space, splintered by centuries of war. Future battlefields are filled with MechWarriors the elite pilots of huge weapons of war, also called BattleMechs. It’s a lucrative moment to become an merchant. 

An World of Destruction – Level entire cities and destroy forces of the enemy while piloting hundreds unique BattleMech variations.

Explore the Truth – Follow the path of interstellar intrigue in the pursuit of honor and revenge while you are the head of a mercenary corporation that is reborn in the ashes of destruction.

Achieve the Merc Life – Manage the complicated aspects of running an expanding business that specializes in mercenaries, from maintenance and purchase of BattleMechs and the hiring of MechWarriors from other companies.

Fight Together – Battle alongside your buddies by allowing four players to play PvE together.

Troublshooting MechWarrior 5 Fitgirl Repack Download

Also Read:

The Fire Insurance Policy as a Contract

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

William N. Bament, General Adjuster The Home Insurance Company, New York
The seal used by the Insurance Department of the State of New York for many years contained the following in¬ scription: “Alter alterius onera portate ”—“Bear ye one another’s burdens,” and it would be difficult to conceive of a more highly appropriate motto for such a department, or a more felicitous expression with which to symbolize the underlying principle of insurance.
According to the authorities, insurance was originally held to be in effect nothing but a mere wager, and it was a matter of grave doubt whether as a principle of ethics it should be allowed, but for many years it has been regarded as the handmaid of commerce and an absolute business neces¬ sity, the gambling element being eliminated or reduced to a minimum by the fact that in order to support a valid contract the party insured must have an insurable interest in the subject thereof.
It is undoubtedly true that in the early part of the eighteenth century, in addition to the regular business of insurance, wagering contracts were issued both in England and on the Continent, covering almost every conceivable subject or event, but about the middle of the same century the issuing of wagering policies was prohibited by statute and Lord Mansfield, who may justly be regarded as the father of insurance law, rendered his famous decision making an insurable interest the basis of the contract. This put an end to the demoralizing practice and paved the way for the marvelous development of legitimate insurances, and placed the business upon the high plane where it now rests and where it is universally regarded as one of the bulwarks of our mercantile, industrial and social life.
The oldest form of insurance is marine, which was doubtless in vogue among the ancients, but did not assume anything approaching its present form until the twelfth or thirteenth century, when it was taken up by the Lombards who resided in Northern Italy. They had branches in all the important cities of Europe and some of them settled in London, and Lombard Street, London, which takes its name from them, became in time the great marine underwriting center of the world.
It was not, however, until the great London conflagra¬ tion of 1666, that people awoke to a realization of the great danger of loss by fire, and it was not until thirty years later that anything except sporadic efforts were made toward placing fire insurance upon a firm basis, but during the past two centuries it has steadily grown in public favor and is now by far the most popular of all the various departments of insurance.
Contracts of insurance, although they may be by parol, are almost universally reduced to writing in an instrument called the “policy,” which word is most probably of Italian derivation and signifies a promise or a note or memorandum in writing.
In addition to the necessity of an insurable interest, there are a number of other elements essential to a legitimate contract of insurance; it is primarily a contract of indemnity; it requires the utmost good faith on the part of all parties thereto; there must be a risk which may result in a real loss which neither party has the power to avert or hasten, and it is incumbent upon the insured to communicate to the insurer all facts material to the risk.
In order to constitute an insurable interest, the insured must be so circumstanced with respect to the property subject to loss or damage by fire, that he may be benefited by its safety or prejudiced by its destruction, and this includes a great variety of relations.
The following interests may be mentioned as insurable: An owner, in whole or in part, of the property; a vendor and vendee under an executory contract of sale; a mortgagee; a remainderman; a lessee in improvements to the building or land or in his profit on the lease, or one who has obligated himself to restore the property or to pay rent; a landlord in the rents or rental value of the property; a warehouseman or bailee in advances or charges, or on his assumed liability ; a common carrier on its liability; an owner in his profits ; a merchant or manufacturer in the use and occupancy of his store or plant. A right to future possession, or a future interest, no matter how improbable its attainment, will support an insurable interest, whereas a mere expectancy, no matter how probable its realization, will not, although recent decisions by certain courts in this country seem to indicate some de¬ parture from this time-honored priniciple.
A policy of insurance is an aleatory contract in the sense that it embodies the element of chance and is contingent upon some event which may or may not occur. It is a reciprocal contract in that it involves mutual obligations.

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

It is a voluntary contract whether it be a form prescribed by the state or not, and when issued by the insurer and accepted by the insured, both are bound by its provisions. It is a personal contract and does not’follow the property nor pass with the title unless assigned with the consent of the insurer. The personal nature of the contract becomes increasingly evident when it is realized that it is not property as such which is insured, but the individual, although the words “property insured” by reason of continuous use, have become an insurance idiom. It is a conditional contract and its validity depends upon its conditions being complied with. This is necessarily so for the reason that for a com¬ paratively small consideration, the insurer may be called upon to pay a large amount, and because the contract is designed to cover every conceivable class of property and protect virtually every interest known to the commercial world.
The policy must protect the insurer against material misrepresentation, abandonment of property, over-insurance, over-loading of buildings, extravagant claims, increase in risk and moral hazard, both before and after a loss, for inasmuch as many fires are welcomed if not desired, if a moral hazard does not exist before, it not infrequently develops after a loss has occurred. It is on this account and because insurance companies deal with all sorts and conditions of men that the standard policy in current use, contains provisions exempting the insurer from liability for any one of a dozen or more sins of commission on the part of the insured, and for any one of an equal number of sins of omission, and provides that the company shall not be liable for loss caused in a dozen different ways, nor for loss on eight classes of property under any circumstances, nor for loss on about a score of others unless liability is specifically assumed thereon. For¬ tunately for the public, insurance companies do not always stand upon their technical rights, but on the contrary, are disposed to view all meritorious claims in a spirit of the broadest liberality. It is doubtful if one person in a thousand ever reads his policy, especially the printed conditions, but it is not the only well-known piece of literature relating to protection from fire, that people ought to read but do not.
The adoption of a standard fire policy by the State of New York in 1886, marked a great advance in the insurance contract. The ornate policies in use prior to that time, with no uniformity in conditions, with their classification of haz¬ ards, which few could understand, and their fine print, which no one not possessing unusually acute vision could read, gave way to the plainly printed uniform policy, which materially simplified conditions, which was adopted either verbatim or with slight modifications by other states, so that it is probably safe to say that for the past thirty years, fully seventy-five per cent of all the policies issued, outside of the states having standard policies of their own, have been the New York Standard. Although this has not resulted in uniformity of decisions, it has had the effect of materially restricting litigation and has been of incalculable benefit both to the insurer and the insured. A new standard policy is to go into effect in New York January 1, 1918. It has already been adopted by several states and will no doubt be by others in the not dis¬ tant future. From time immemorial it has been the uniform practice of the courts to construe the insurance contract most liberally in favor of the insured as against the insurer in accordance with the general rule that the contract should be construed most strictly against the one by whom it is pre¬ pared. The standardizing of the policy by the legislatures of the various states has neutralized this tendency to some extent, but the courts can safely be relied upon to prevent forfeiture if it can be done without undue violence to the plain intent of the contract.
Insurance companies are not inclined to resist the pay¬ ment of claims, but on the contrary, they sometimes approach the extreme limit of propriety, generosity and good morals, in their efforts to avoid litigation. This is evidenced by the fact that of all the losses which occur, probably not more than one-fifth of one per cent become the subject of litigation, and one-half of these are settled before the cases come to trial. To put it another way, out of all the policies issued, the courts are not called upon to adjudicate claims under more than one out of every thirty thousand, which may be regarded as quite a favorable commentary upon the mutual fainnindedness of the companies and the insuring public.
Too great emphasis cannot be laid upon the contractual nature of the policy. By accepting it the insured, in the absence of mutual error, which, of course, can be corrected, becomes bound by all the descriptions, representations, war¬ ranties and conditions, written or printed, contained therein. Every property owner should read his policy, the written portion, in order to see that everything he desires covered is mentioned therein, and that the description, location, amount and dates are correct; and the printed portion, in order to obtain information with regard to his duties and obligations. He should comply with all conditions of the contract and be in a position, when a loss occurs, to demand as a right, and not to receive as a matter of grace, payment from the insurer.

Collector Thief Fitgirl Repack

Genres/Tags: Adventure, Stealth, Third-person, 3D
Company: Heartbeat Game Studio
Language: ENG
Original Size: 4.3 GB
Repack Size: 2.8 GB

Collector Thief Fitgirl Repack Download PC Game

Collector Thief 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 Collector Thief 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.

Collector Thief 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 Collector Thief igg games and the ocean of games are the two most popular websites. Also, ova games and the skidrow reloaded also provide you to download Collector Thief  Fitgirl awesome game.

Download Mirrors Collector Thief Fitgirl Repack

  • 1337x | KAT – [magnet] [.torrent file only]
  • RuTor [magnet]
  • Tapochek.net
  • Filehoster: MultiUpload (10+ hosters, interchangeable) [Use JDownloader2]
  • Filehoster: Google Drive (Uploaded by hermietkreeft)
  • Filehosters: Google Drive + 8 other (Uploaded by LaRoyal, NOT compatible with other mirrors)

Repack Features

  • Based on Collector.Thief-SKIDROW ISO release: sr-collectorthief.iso (4,589,387,776 bytes)
  • 100% lossless and MD5 Complete: All files are identical to the originals after installation
  • Absolutely nothing was copied, not a single thing was changed.
  • A significantly smaller size archive (compressed between 4.3 to 2.8 Gb)
  • Installation takes 2-3 minutes
  • Check for integrity after-installation so you can be sure everything was installed correctly
  • HDD space after installation: 4.4 GB
  • Repack makes use of the XTool library provided by Razor12911.
  • A minimum of 2 GB of memory (inc. Virtual) is required to install this pack

Game Description

I’m trying to find out what’s mine right now!As a member of the cult of a mysterious group that you control, you’ll be Adami who is the treasure hunter who has an objective. Find the object of worship of Adami’s sect.

Moving through the shadows getting by unnoticed, and using an array of skills to breach security, you’ll encounter challenges to locate locked doors cameras, security lasers and other obstacles to be overcome in order for the amazing goal to be achieved.

More dedicated towards the mission than any time before before, Adami will be able to count on the support of the other members who will bring things and strategies to make every theft an absolute success.

With more than 6 different scenarios, and an engaging thrilling adventure, the ultimate theft is sure to happen and will be worth more than it ever has been.

The process of committing crimes is never more difficult. The case of “Collector Thief” every step is important. Knowing the location of cameras or guards is crucial for the robbery to become an enormous success and so it is possible to move ahead. Intelligence is more effective that brute strength. With intricately planned defenses, winning all of the challenges and moving through the story may be a challenge even for the best players.

Collector Thief is a single-player game designed with the sole goal of entertaining players by providing an entire story, while also maintaining its gameplay at a high-level difficulty from the beginning. It features simple controls which make it enjoyable but it turns into the kind of game that’s easy to play, but hard to master. It’s an experience full of intelligence, humor and imagination.

Game Features

  • Gather items scattered throughout the map, as they earn cash and score overall;
  • Make use of the surroundings to your advantage in order you are not visible to cameras or security guards.
  • Certain places have features that can be switched off to allow entry without drawing attention;
  • Sect’s Shop Sect’s Shop contains items that are essential for the success of each Robbery
  • There are clues and Easter eggs within the scenarios that will aid in understanding the theories;
  • Always make use of this feature in order to continue to play the game at different times.
  • Do your best to get the job done before dawn.

Troublshooting Collector Thief Fitgirl Repack Download

Also Read:

The Fire Insurance Policy as a Contract

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

William N. Bament, General Adjuster The Home Insurance Company, New York
The seal used by the Insurance Department of the State of New York for many years contained the following in¬ scription: “Alter alterius onera portate ”—“Bear ye one another’s burdens,” and it would be difficult to conceive of a more highly appropriate motto for such a department, or a more felicitous expression with which to symbolize the underlying principle of insurance.
According to the authorities, insurance was originally held to be in effect nothing but a mere wager, and it was a matter of grave doubt whether as a principle of ethics it should be allowed, but for many years it has been regarded as the handmaid of commerce and an absolute business neces¬ sity, the gambling element being eliminated or reduced to a minimum by the fact that in order to support a valid contract the party insured must have an insurable interest in the subject thereof.
It is undoubtedly true that in the early part of the eighteenth century, in addition to the regular business of insurance, wagering contracts were issued both in England and on the Continent, covering almost every conceivable subject or event, but about the middle of the same century the issuing of wagering policies was prohibited by statute and Lord Mansfield, who may justly be regarded as the father of insurance law, rendered his famous decision making an insurable interest the basis of the contract. This put an end to the demoralizing practice and paved the way for the marvelous development of legitimate insurances, and placed the business upon the high plane where it now rests and where it is universally regarded as one of the bulwarks of our mercantile, industrial and social life.
The oldest form of insurance is marine, which was doubtless in vogue among the ancients, but did not assume anything approaching its present form until the twelfth or thirteenth century, when it was taken up by the Lombards who resided in Northern Italy. They had branches in all the important cities of Europe and some of them settled in London, and Lombard Street, London, which takes its name from them, became in time the great marine underwriting center of the world.
It was not, however, until the great London conflagra¬ tion of 1666, that people awoke to a realization of the great danger of loss by fire, and it was not until thirty years later that anything except sporadic efforts were made toward placing fire insurance upon a firm basis, but during the past two centuries it has steadily grown in public favor and is now by far the most popular of all the various departments of insurance.
Contracts of insurance, although they may be by parol, are almost universally reduced to writing in an instrument called the “policy,” which word is most probably of Italian derivation and signifies a promise or a note or memorandum in writing.
In addition to the necessity of an insurable interest, there are a number of other elements essential to a legitimate contract of insurance; it is primarily a contract of indemnity; it requires the utmost good faith on the part of all parties thereto; there must be a risk which may result in a real loss which neither party has the power to avert or hasten, and it is incumbent upon the insured to communicate to the insurer all facts material to the risk.
In order to constitute an insurable interest, the insured must be so circumstanced with respect to the property subject to loss or damage by fire, that he may be benefited by its safety or prejudiced by its destruction, and this includes a great variety of relations.
The following interests may be mentioned as insurable: An owner, in whole or in part, of the property; a vendor and vendee under an executory contract of sale; a mortgagee; a remainderman; a lessee in improvements to the building or land or in his profit on the lease, or one who has obligated himself to restore the property or to pay rent; a landlord in the rents or rental value of the property; a warehouseman or bailee in advances or charges, or on his assumed liability ; a common carrier on its liability; an owner in his profits ; a merchant or manufacturer in the use and occupancy of his store or plant. A right to future possession, or a future interest, no matter how improbable its attainment, will support an insurable interest, whereas a mere expectancy, no matter how probable its realization, will not, although recent decisions by certain courts in this country seem to indicate some de¬ parture from this time-honored priniciple.
A policy of insurance is an aleatory contract in the sense that it embodies the element of chance and is contingent upon some event which may or may not occur. It is a reciprocal contract in that it involves mutual obligations.

The Fire Insurance Policy as a Contract
The Fire Insurance Policy as a Contract

It is a voluntary contract whether it be a form prescribed by the state or not, and when issued by the insurer and accepted by the insured, both are bound by its provisions. It is a personal contract and does not’follow the property nor pass with the title unless assigned with the consent of the insurer. The personal nature of the contract becomes increasingly evident when it is realized that it is not property as such which is insured, but the individual, although the words “property insured” by reason of continuous use, have become an insurance idiom. It is a conditional contract and its validity depends upon its conditions being complied with. This is necessarily so for the reason that for a com¬ paratively small consideration, the insurer may be called upon to pay a large amount, and because the contract is designed to cover every conceivable class of property and protect virtually every interest known to the commercial world.
The policy must protect the insurer against material misrepresentation, abandonment of property, over-insurance, over-loading of buildings, extravagant claims, increase in risk and moral hazard, both before and after a loss, for inasmuch as many fires are welcomed if not desired, if a moral hazard does not exist before, it not infrequently develops after a loss has occurred. It is on this account and because insurance companies deal with all sorts and conditions of men that the standard policy in current use, contains provisions exempting the insurer from liability for any one of a dozen or more sins of commission on the part of the insured, and for any one of an equal number of sins of omission, and provides that the company shall not be liable for loss caused in a dozen different ways, nor for loss on eight classes of property under any circumstances, nor for loss on about a score of others unless liability is specifically assumed thereon. For¬ tunately for the public, insurance companies do not always stand upon their technical rights, but on the contrary, are disposed to view all meritorious claims in a spirit of the broadest liberality. It is doubtful if one person in a thousand ever reads his policy, especially the printed conditions, but it is not the only well-known piece of literature relating to protection from fire, that people ought to read but do not.
The adoption of a standard fire policy by the State of New York in 1886, marked a great advance in the insurance contract. The ornate policies in use prior to that time, with no uniformity in conditions, with their classification of haz¬ ards, which few could understand, and their fine print, which no one not possessing unusually acute vision could read, gave way to the plainly printed uniform policy, which materially simplified conditions, which was adopted either verbatim or with slight modifications by other states, so that it is probably safe to say that for the past thirty years, fully seventy-five per cent of all the policies issued, outside of the states having standard policies of their own, have been the New York Standard. Although this has not resulted in uniformity of decisions, it has had the effect of materially restricting litigation and has been of incalculable benefit both to the insurer and the insured. A new standard policy is to go into effect in New York January 1, 1918. It has already been adopted by several states and will no doubt be by others in the not dis¬ tant future. From time immemorial it has been the uniform practice of the courts to construe the insurance contract most liberally in favor of the insured as against the insurer in accordance with the general rule that the contract should be construed most strictly against the one by whom it is pre¬ pared. The standardizing of the policy by the legislatures of the various states has neutralized this tendency to some extent, but the courts can safely be relied upon to prevent forfeiture if it can be done without undue violence to the plain intent of the contract.
Insurance companies are not inclined to resist the pay¬ ment of claims, but on the contrary, they sometimes approach the extreme limit of propriety, generosity and good morals, in their efforts to avoid litigation. This is evidenced by the fact that of all the losses which occur, probably not more than one-fifth of one per cent become the subject of litigation, and one-half of these are settled before the cases come to trial. To put it another way, out of all the policies issued, the courts are not called upon to adjudicate claims under more than one out of every thirty thousand, which may be regarded as quite a favorable commentary upon the mutual fainnindedness of the companies and the insuring public.
Too great emphasis cannot be laid upon the contractual nature of the policy. By accepting it the insured, in the absence of mutual error, which, of course, can be corrected, becomes bound by all the descriptions, representations, war¬ ranties and conditions, written or printed, contained therein. Every property owner should read his policy, the written portion, in order to see that everything he desires covered is mentioned therein, and that the description, location, amount and dates are correct; and the printed portion, in order to obtain information with regard to his duties and obligations. He should comply with all conditions of the contract and be in a position, when a loss occurs, to demand as a right, and not to receive as a matter of grace, payment from the insurer.