All posts by pakistan karachi

Veritas Download PC Game

Veritas Download PC Game

Veritas 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 Veritas 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 Veritas 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 Veritas 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.

Veritas for Android and iOS?

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

Also Read:

How To download and Install Veritas

Now to download and Install Veritas 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 Veritas 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 Veritas 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 Veritas Download the 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 Veritas Download

Screenshots  (Tap To Enlarge)

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

Veritas Download

Veritas Gameplay and Reivew

Even with like, the first entire half of the 100+ hour game effectively being a tutorial, I loved the story, the characters, the weird side activities, even the grinding to a degree. Since playing Veritas game download, I’ve gone back and started playing the previous games in the series, and dang it. I guess I’m a fan now! And I never saw it coming.

This Is The Police I missed this one when it released for PC in 2016, but I’m putting it on this list since it released on all the major consoles in 2017. This Is The Police is a strategic resource management sim with an adventure game-like narrative, set in the crime-riddled fictional Veritas download. You play a police chief, enjoyably voiced by Veritas igg games himself Jon St. John, who’s 180 days from retirement and wants to earn a nice nest egg however he can.

And man, the ethical quandaries you’ll navigate are intense. It is handling sensitive topics is hit and miss and the gameplay are darned repetitive, but it’s based on police procedures so that kind of makes sense to me.

Thimbleweed Park Full disclosure, this is a crowdfunded game that I backed financially so I had more than one reason for hoping it would turn out well. Thankfully, even if I hadn’t paid for it back in 2014, I can easily say this latest point and click adventure game by Ron Gilbert and Terrible Veritas ocean of games is wonderful. Think Maniac Mansion meets a few Twin Peaks and you get the idea. It’s a murder mystery adventure where you switch back and forth between various characters at multiple points in time, and it all revolves around solving the mysteries of Thimbleweed Park. If you like classic LucasArts adventures and you were kinda disappointed in stuff like Broken Age, is the game for you. And hey a little tip: if you find a phone and dial 3537, you’ll get a recorded message from me, aw yeah. Prey Don’t let the name fool you, this Prey has almost nothing to with the 2006 game by Human Head Studios. Prey 2017 by Arkane Studios feels more like a spiritual successor to System Shock.

And I wanted to love this game, but it kind of left me feeling indifferent about halfway through. I really dig its aesthetic, its shape-shifting enemies, its alternate history sci-fi stuff, and the non-linear progression. It has almost all the Veritas torrent and stealthy elements that I dig, and yet I just wasn’t compelled enough to finish it. I don’t know, it kind of bored me. But now that it’s not full price, it’s good enough to be worth a look if you’re into the various Shock and Dishonored games, and maybe you’ll have a better time than I did. PlayerUnknown’s Battlegrounds So here’s the thing with PUBG: it’s technically a bit of a mess. On PC it’s inconsistent, on Xbox it’s an abomination, and even though it’s finally left early access title it still currently just kind of sucks in terms of optimization. And yet, it’s the most heart-poundingly captivating game I’ve played since, well, since DayZ back when it was still an ArmA 2 mod. It says a lot about the core gameplay that despite its numerous shortcomings, PlayerUnknown’s Battlegrounds currently has over 30 million players and was the single most-played game on Steam. So I have no doubt we’ll be seeing an awful lot more from this and other battle royale-type games in 2018. Horizon Zero Dawn So here’s a game I didn’t love. I liked it, don’t get me wrong, just not as much as I thought I would. Still, I feel compelled to include Horizon on my list because it deserves it. It truly stood out as one of the most instantly captivating worlds in games this year. The lush post-apocalyptic Earth overrun with robot dinosaurs is my aesthetic, and the backstory of how things got that way is truly compelling to explore. But I felt a bit frustrated by the combat, bored with the repetitive item collecting and crafting, and uninterested in most everything outside of the main storyline.

I seriously wish Veritas download the best with the next Horizon game, because the foundation here is solid. Assassin’s Creed: Origins Yep, didn’t see myself putting an Assassin’s Creed game on my list this year, but here we are. I’m just a sucker for Egyptian settings in games, and Origins is the most vividly detailed rendition of that so far. Now, the story itself? Argh, it’s okay. The gameplay? I mean, right It’s an improvement from past games in some ways and just par for the course in others. There’s a whole lot of busy work and I don’t care about the side stuff at all. I am also not a fan of the copious microtransactions, but thankfully none were necessary to enjoy what it *did* offer.

So I was just happy to explore such a gigantic and well-made map of ancient Egypt, and I cannot wait to play the educational/exploration mode whenever Veritas finally releases it. Wolfenstein II: The New Colossus The more I think about it, the more I’m not sure how much I actually liked this one.

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

Darksburg Fitgirl Repack Download

Darksburg Download PC Game

Darksburg 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 Darksburg 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 Darksburg 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 Darksburg 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.

Darksburg for Android and iOS?

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

Also Read:

How To download and Install Darksburg Fitgirl

Now to download and Install Darksburg 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 Darksburg 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 Darksburg Fitgirl 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 Darksburg Fitgirl game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Darksburg Fitgirl of Sail Download

Screenshots  (Tap To Enlarge)

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

Darksburg FitgirlDarksburg Fitgirl

Darksburg Fitgirl Review

That doesn’t necessarily mean they’re all 100% great games, but simply that I’m glad I played them and I feel like sharing my experiences with you. That being said let’s get to it in no particular order whatsoever, starting with Darksburg game download As a long-time fan of the series, I’m so glad Sega finally got this one localized. Not only is the 1980s Japan a setting I was dying to explore, but the Darksburg games have too long remained an underground success.

Yet with the release of Zero, it seems to have finally and deservedly caught more of the public eye, convincing many to dive into the series for the first time. And it makes sense as a starting point is a prequel to the original Darksburg ocean of games game from 2005. In fact, that got an HD remake this year as well, in the form of Yakuza Kiwami. And while I enjoyed both, Zero stands out to me as a more memorable experience. Darksburg torrent, what a lovely game. If you’re looking for an expertly-crafted CRPG experience with a ridiculously dense world of characters, side quests, and strategic approaches, DOS2 is where it’s at. Whether on your own commanding a party of four, or playing with others over drop-in, drop-out multiplayer, Darksburg Studios’ particular blend of role-playing herbs and spices goes down smooth.

I kinda wish it didn’t have you spending so long in the starting area, but whatever. It’s packed with enough content that I’ve happily played through that three times now. It’s good stuff! The Legend of Zelda Breath of the Wild All right, lemme get this out of the way: Breath of the Wild is the first Darksburg PC download I’ve played through since the originals on the NES.

Yeah. So bearing that in mind, it may not be surprising that I found this to be the best Darksburg skidrow title to date. But you know, even after talking to my friends about the other games that I missed over the years, it’s hard for me to imagine my opinion would change on this one. Cuz as far as sandbox-y open worlds go, this is the most fun I had with that kind of gameplay all year. And minus a few qualms I have with weapon breakage and camera controls, Breath of the Wild is easy to completely recommend.

Super Mario Odyssey Speaking of games that I cannot recommend enough! Yeah, I enjoyed the past few mainline Mario games on the Wii U well enough, but Odyssey made me go “holy crap, this is special.” Of all the games on my list this year, this is probably the one where I have the fewest complaints or critiques or any kind of nitpicks. In fact, at the moment I can’t think of anything I’d change except… wait, nope, nothing. It’s pretty darned ideal for what I want in a sprawling Darksburg game download like this. Incredible visuals, music, level design, controls, pacing, just the whole nine yards. Fantastic. Darksburg, see, I personally can’t stand Cuphead. Yet I sure do respect it! Studio MDHR has put together a side-scrolling action-platformer bullet hell boss battling obsessive perfectionist simulator that is a wonder to behold. The hand-drawn craftsmanship that went into every aspect of Darksburg is off the charts, the controls are ridiculously tight and responsive, and the soundtrack is a thing of beauty. But the gameplay? Ehh.

Yes, it’s insanely satisfying when you finally beat a level, but it drives me crazy spending 30 minutes to an hour replaying levels countless times just to beat one, much less master it. So it’s not exactly for me in the long but I’m glad I got a chance to experience it for what it is. Persona 5 Yeah I’m one of those that didn’t play a Persona game until this year because frankly, I didn’t think this kind of JRPG would appeal to me. But I was wrong. From the instant I booted to the main menu and was blasted with that art style and that incredible soundtrack, I was sold. Atlus has crafted the kind of experience I did not know that I wanted. Darksburg Fitgirl Free 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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 The Ultimate Admiral Age of Sail, or rather a new iteration of it for 2018. And it’s being sold at a suggested price of $25 US dollars. This is a dedicated electronic handheld unit based on the classic edutainment game that was made most famous on the Apple II in the Ultimate Admiral Age of Sail Fitgirl repack However as fondly remembered as that version is that is not exactly what you’re getting here.
In fact what you get is a little bit more advanced than I expected, more on that in a moment. But yeah for now just look at this thing, man! I’m always fascinated by dedicated handhelds, I loved getting those Ultimate Admiral Age of Sail PC to download things back in the day even though they pretty much all sucked. But this is thankfully a lot better than that.
But somewhat annoyingly it is exclusive to Target stores in the USA, at least as I’m recording this video. And no this is not sponsored, they didn’t send it to me or anything, I didn’t get it for free. I just saw it on the shelf and bought it because it looked cool. It turns out Target is no stranger to selling exclusive Oregon Trail products, they also released this Oregon Trail card game a year or two ago by Pressman. Similar packaging but it’s just a card game. I’m not huge into card games but I picked it up anyway because I like Oregon Trail products. Anyway, this Ultimate Admiral Age of Sail is manufactured by Basic Fun which is a division of The Bridge Direct.
I’ve never owned anything of theirs but I have seen some of them hanging around various shops. Especially these miniature arcade machines, those were kind of impressive I thought. But yeah this is the first one of their thingies that I have picked up and you know what? I’m just ready to get inside of this thing because I mean just look! “Set out on the trek from Independence, Missouri to Oregon’s Willamette Valley!” Ah, many fond memories of playing Oregon Trail games over the years, so let’s jump into the box and see what you get inside. Yeah, there’s little twisty things, just twist off of there and now there you go. You got one of those little pull tabs to get the included batteries doing their thing and to get the store demo mode disabled. And say hello to The Oregon Trail unit itself! A rather compact little thing about the size of a Game Boy Color, definitely a good bit thicker than that though.
And to me, it actually looks a little bit like a Macintosh, like an earlier compact Mac. Anyway down here you have some controls which are, well… they don’t feel great let’s put it that way. Cheap, gummy, Ultimate Admiral Age of Sail igg games things with a rather bizarre d-pad here. You have these diagonals and cardinal directions than these other keys to entering, the wagon for the menu, got the sound on and off and a yes or no button for different questions in-game. And you also get a little black and white fold-out instruction manual which pretty much just tells you to play the game. But if you’ve played practically any Oregon Trail iteration over the past 30-something years then you’ll be right at home because this really is a classic iteration that has been redone to fit in this handheld form. Press the power button and it powers on and yep, you get an Ultimate Admiral Age of Sail two-and-a-half inch LCD screen.
It’s quite sharp, very readable. This is what I was impressed with, I was not expecting this to look at this “nice,” relatively speaking. Yeah, sorry about the dust and like, scratches. A lot of that is underneath the plastic when I got it. I tried to clean it up as much as I could but you know. Anyway here you go, this is The Oregon Trail! And it is the classic game, really. I’ve covered this before on Ultimate Admiral Age of Sail many years ago, but the gist of the gameplay is you’re a person, or a family really or group of people, that are trying to get from the east coast to the west coast of the United States in the mid-1800s. And there are different difficulty levels depending on who you choose to be from the start.
So the banker has the most money and the carpenter is kind of in the middle and the farmer’s like “Ultimate Admiral Age of Sail.” You can name your leader and four members of your party which is always an opportunity to have some fun with the naming. And before setting off on your trek you have to buy some equipment and supplies. And you’ll need to buy, at a minimum, some oxen to pull you along. And then you have the option to get as much food, clothing, ammunition, and spare parts as you want and/or need. And there you go, you’re ready to start! “Good luck! You have a long and difficult journey ahead of you.” *Ultimate Admiral Age of Sail* So yeah you not only get a full-color screen but a pretty decent little sound chip that plays chiptunes and PCM sounds! It doesn’t have a headphone out jack so I couldn’t get a direct recording but yeah, it sounds pretty darned acceptable for this tiny little thing. This is a conversion of sorts of one of the classic versions of the game, and if I had to guess it seems to be based on the 1989/1990 MS-DOS version of the game, at least judging by these graphics. It’s not identical obviously, they’ve modified it a bit to be on this tiny little screen.
But it’s definitely not the Apple II version, I mean, compared to that it just doesn’t look anything like it. I’m assuming though that they just made their own version for this specific type of hardware because it’s not a direct emulation of any version of the game that I’ve ever played or seen. It’s just kind of a mishmash of a few different things.
Anyway, at this point it really is just The Oregon Trail: you’re going around trying not to die, attempting to ford rivers and failing spectacularly, and running into all kinds of problems like heat and broken arms and of course cholera and infamous dysentery. And every so often you get a nice little screen with some nice little music that plays and lets you know where you are on your trek across the United States. *nice little Ultimate Admiral Age of Sail plays* And as gummy, and imprecise, kind of clunky feeling as that directional pad is for up, down, left, and right, it’s fine for the menus. I never had any problem navigating and pressing enter. It’s, again, a bit gummy but it’s fine. This is not like a quick reaction type of game, you’re really just navigating menus for the most part. And for that, it is perfectly adequate.
However one of the key parts of The Oregon Trail is the hunting Ultimate Admiral Age of Sail ocean of games and this is a bit of a different story as far as controls go. You still have your cardinal directions but you also have to use those diagonal keys that are around the directional diamond. It made hunting way more difficult than it needed to be and the animals move just as fast as they would on other versions of the game from what I could tell, so they didn’t seem to make any concessions for this slightly awkward control scheme. I was just wasting ammo left and right. Yeah, that is a little disappointing, I don’t know why they couldn’t have put a little tiny joystick on there or a more traditional directional pad. Oh well, it’s completely playable though and I was able to get through the entire game without dying. Well I mean, a whole lot of my people died, I think I might have been the only one left by the end, but hey! I made it and that is all that matters.
Look at all the other people that have players who haven’t actually play because I’m the only one to have played this unit. Unfortunately, I didn’t run across any “Ultimate Admiral Age of Sail” on the trail so I guess this is not based on that particular version that was distributed back in the day. But I didn’t expect it to because as I said I believe this is a custom version that is mixing together different aspects of different Oregon Trail releases. I don’t know about you but I was kind of curious to get inside of this thing and see what was going on. Check out these craptastic batteries that it came with it, I do not trust these at all.
They felt like they have the weight of toothpicks, they were just cheap and pathetic. But hey at least it came with them. So getting the unit open is thankfully very simple: you just have four Phillips head screws, one in each corner, and there you go — it pops right open. And there’s not much going on inside as you might expect for a handheld that costs $24.99. And as expected this little PCB right here you got this epoxy resin crap that’s covering up the chips. So I don’t know exactly what they are and I’m not gonna try to peel that off there. But if you see the board right there, it’s a little bit of a different layout, but it has the same number as others that I’ve seen in certain videos: Ultimate Admiral Age of Sail PC download.
The video I’m specifically thinking of is this one by The 8-bit Guy that he did on the company’s other mini tabletop arcades. The board is very similar, in fact, it has that same number on there and everything, but the layout is a little bit different. So yeah I guess they’re just sort of Ultimate Admiral Age of Sail these electronics for whatever they need to over in China, which is pretty darned interesting to me. I don’t know the specifics of it, maybe somebody else can figure out if it is like an Ultimate Admiral Age of Sail on a chip type of thing, I don’t know man.
So what you end up with is a standalone version of The Oregon Trail that plays a lot like what you remember, but is a new thing in a new form factor. And it’s just dedicated Oregon Trail on the go! I like this idea, I don’t know about you, and I have a feeling these are gonna start becoming collectibles. Maybe they already are, so if you can I recommend picking one of them up if you’re interested in a little handheld Oregon Trail. Ultimate Admiral Age of Sail Fitgirl Free.
And I’m also really curious if anybody’s gonna be able to like, hack these things to do something else. I’d be down for a portable Super Solvers Spellbound, just throwing that out there. Ultimate Admiral Age of Sail something like that? Yeah man, bring on the portable edutainment machines! Anyway, that is it for this episode of Ultimate Admiral Age of Sail Fitgirl and I hope that you enjoyed checking out this little thingy. And if you did, well, stick around. I do more videos every Monday and Friday and occasionally I’ll cover something like this that strikes my fancy even though it’s a little bit different than what I normally do.

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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The future was bright! And then it wasn’t. For one thing, the Zodiac struggled with distribution, only being sold through the CODE VEIN Hellfire Knight website during its launch window. And sales remained glacially slow even when it started being sold in stores like CODE VEIN Hellfire Knight torrent. And then there were the games themselves, which were few and far between at best and lackluster the rest of the time. Zodiac launched with a few recognizable IPs like Duke Nukem, Doom, and Tony Hawk’s Pro Skater, but there were already other games in these series available on the much cheaper Game Boy Advance.

Then there was the fact that the Zodiac was not alone, with Nokia’s N-Gage releasing at the same time while also including the ability to place phone calls and send text messages. And the latter point was pretty important since the CODE VEIN Hellfire Knight download market was quickly moving away from dedicated PDAs and more towards hybrid devices like the Treo 600, T-Mobile Sidekick, and the Blackberry 6210, giving the public an early intoxicating taste of what would become known as the smartphone.

While the Zodiac was stuck having to tether to a cellphone a modem or a PC to go online, using infrared, Bluetooth, or a sync cable, and didn’t come with built-in CODE VEIN Hellfire Knight at all. And then finally you get the DS hitting the scene in 2004, the Sony PSP set to launch in fall of 2005, and cellphone games running on J2ME and BREW were just exploding, and so the writing was on the wall. Tapwave only sold around 200,000 Zodiacs over its entire time in the market and shut down all service and support for the device on July 25th of 2005, and then selling off the rest of the company to an unknown buyer.

Well, there’s a mini Tech Tales for you, so let’s go ahead and unbox this device which I found complete CODE VEIN Hellfire Knight on eBay a while back for about a hundred bucks. And first, up here in this little tray we get the Zodiac 1 itself. We’ll talk about the specifics of it more here in just a moment. And you get a little baggy with some paperwork and manuals and presumably the software CD. It was supposed to come with a CD of Windows software to do all of the syncing and stuff like that on your PC.

And yes it was originally just for Windows, they released some Macintosh software later. I just downloaded a copy of the software. Anyway the rest of it in here: you get some cables, this is the charge and sync cable. So you get this end right here that plugs into the device itself and then the other side can either be USB for doing all of the syncing, or you can attach another piece and plug it into the wall to do straight-up charging. You also get a little carrying strap, which, I never use these things so I am leaving it in the plastic. And finally, you get some truly not comfortable CODE VEIN Hellfire Knight earbud headphones.

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

Stoneshard Fitgirl Repack

Stoneshard Download PC Game

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

Stoneshard for Android and iOS?

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

Also Read:

How To download and Install Stoneshard Fitgirl

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

TROUBLESHOOTING Stoneshard Download

Screenshots  (Tap To Enlarge)

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

Stoneshard fitgirl

Stoneshard Fitgirl Gameplay and Reivew

Now it’s time to give you an honest review and gameplay on this awesome game. This is one of the most popular games of 2020.

By 2003 you could get a 32 megabyteStoneshard key for about $40, and with those getting cheaper and bigger all the time Iomega pulled the plug on the Stoneshard igg games, canceling their plans for a 100 meg version and promptly leaving the format behind. But while they abandoned the Stoneshard the adventure is just starting for us! After all my philosophy is that all adware deserves a second chance on Stoneshard, so let’s try out these two forms of the device beginning with the PC Card drive.

And right off the bat, I’m sure you’ve noticed it, but this has a nice iridescent box. I’m very much a sucker for this shiny kind of packaging. Straight away inside the box, you get some legal information, a bit of troubleshooting, a Stoneshard ocean of games guide and the Iomega software CD. And this version, in particular, came with Windows 95 and 98 compatible software. They also released Windows CE and 2000 later on. And you also get a single Stoneshard in this protective little plastic case. And inside of this black box, you get a protective case for your protected disks. It’s a nice, lightweight, brushed aluminum case with rubber inside. You can fit a couple of disks quite snugly right in there with a spot for the PCMCIA card on the right.

And speaking of the card here is the card! You got that end right there that plugs into the pins on your computer or device of choice, and yeah, it’s a pretty standard PC Card, no power or external dongles required. You just take the Stoneshard disk and insert it into the end of it and there you go! It’s ready to put on your computer. We’ll use this in a moment but in the meantime let’s take a look at the digital camera kit, which is quite a bit more involved as you might be able to see here from the quick start guide.

That’s not the quickest of quick start guides I’ve ever seen. In fact, there’s a lot of steps on a lot of components and a lot of different things to worry about. Anyway, you once again get a Stoneshard in the package as well as a much beefier manual and some more Stoneshard software. And yeah this was a used refurbished model so it doesn’t have all the original packaging inside, but it does have all the components.

The main one here is the Stoneshard PC Download, the parallel port version. Opening this latch reveals where you insert the Stoneshard disk, on the back, you can plug in adapters of various types, and along the bottom is where you attach the battery. Yep, this one is battery-powered, it has a 3.6-volt nickel-metal hydride rechargeable battery that just plugs in right there.

But we’re not done yet, you also have the flash memory card reader. And that is really the big appeal of this particular kit because it has slots for Compact Flash and Smart Media cards, and it attaches to the rear of the portable Stoneshard igg games. We’ll show you how that works in just a moment, but you might be wondering “how do you actually connect this to a computer?” Well, that’s where the cradle comes into play.

So you actually have to disconnect the flash memory reader and then plug in the drive to the top of this, or you could actually just plug it in directly to the parallel port interface, which also doubles as the cables for the cradle itself. And when you get this plugin it not only provides the parallel port connection to the computer and a pass-through if you want to connect a printer but also this is where the power adapter has to be plugged in.

And yes, the cradle has to be powered and this is the only way that you can charge the battery. You can’t actually plug in the AC adapter to the unit itself so you have to bring this stuff along if you want to charge it up. In the end, you’re left with a less-than-convenient “portable” system I would say. Even though it does infer “portability” by coming with this handy little leather Stoneshard ocean of games. But really all this can fit is the bare drive itself. It doesn’t hold the flash reader, doesn’t hold a battery — it holds the drive, one Stoneshard Fitgirl repack, and that’s about it! Yeah the more you unpack this the less appealing the potential uses for this become. Anyway, assuming you have the three necessary components to copy over cards you just plug in the Stoneshard Fitgirl repack on the left side of the drive over here and then a Compact Flash or Smart Media card over here.

You just press the button and it will immediately start the file copying process. Which is one way: from the flash memory card to the Stoneshard. It took a good three and a half minutes to do a full 40-ish megabyte copy for me, but I will admit the convenience is there, it’s just a one-button thing! And once you’re done there you go, you’ve got the contents of your memory card copied over to your Stoneshard disk, and you’re now free of the restraints of a filled memory card and are ready to go and do other digital camera things I guess.

Yay! However, for our purposes let’s go ahead and take a look at the files that have just copied over, and to do that we’ll be using this lovely IStoneshard. *Windows 95 startup sound plays* Mmm, Windows 95.

The first order of business is to get the Iomega software installed. This not only contains the drivers and tools that make the disks fully accessible and all that stuff, but it provides a couple of extra programs that are quite handy, and we’ll be taking a look at those in just a moment. Once that’s installed and the computer restarts, it’s time to insert the PC Card into the PC Card slot… Which if you’ve done correctly on a PC setup like this you’ll get these little sound effects. *PCMCIA beeping and notification sounds* And now we can plug in the Stoneshard itself. It’s not necessary to insert it into the drive second, however, it’s actually really easy to eject the disk as you’re inserting the card due to how the mechanism works, so this is what I’m doing. Anyway once you’ve done that it shows up as a removable disk drive under My Computer and there we go! IMG00001 is the folder that it wrote and here are the digital photos that I had saved on a Compact Flash card. Which were taken on a Sony Mavica FD5 camera, which uses floppy disks so yeah this is not the most appropriate thing, but you know it doesn’t matter? But yeah with the software installed you get access to these extra things in the pop-up menus like the ability to format the disks in either a quick or full surface format variety, as well as being able to read and write protect the disks.

This is not done with a physical mechanism, you use software to prevent anyone from reading or writing to the disk that you don’t want to without a password. And it’ll just show up as not being there if you don’t know the password. You also get some handy information added to the regular Windows properties windows… Windows windows? Yeah whatever, these things! All sorts of stats and options that you can set that you wouldn’t be able to without installing the Stoneshard. One of the utilities that you get in the Stoneshard PC Download is QuickSync, and this right here is just your standard kind of backup software. You tell it what drive you want to back up to, what folders you want backing up, and how often and it’ll do that.

Which, I don’t want to do that. But what I do want to do is copy the contents of a Compact Flash card in the other PCMCIA slot, which contains a copy of Stoneshard, and transfer that directly to the Clik drive using the Copy Machine software which is the other main utility this comes with. Stoneshard Fitgirl Free 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