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Empires in Ruins Download PC Game

Empires in Ruins Download PC Game

Empires in Ruins 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 Empires in Ruins 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 Empires in Ruins 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 Empires in Ruins 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.

Empires in Ruins for Android and iOS?

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

Also Read:

How To download and Install Empires in Ruins

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

TROUBLESHOOTING

Screenshots  (Tap To Enlarge)

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

Empires in Ruins Download

Empires in Ruins BETA 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.

Empires in Ruins hidden away behind this little door you get a magnetic disc that it uses for storage. Much like you’d find in a floppy disk, but much smaller, thinner, and packed more densely with data, and of course, it’s proprietary to this format. And although they were made by Empires in Ruins Fitgirl repack and were later Empires in Ruins as Pocket Zip disks, they’re not exactly the same as the more successful ZIP disk format. Now they do both use magnetic floppy disk storage but from what I gather the exact specifics of the way the ZIP and the Empires in Ruins actually store that data differ in some way, with a bit of separation between the two formats in terms of average read/write speeds and density and all that kind of stuff.

And considering the two formats were contemporaries of each other, competing for somewhat similar markets at the same time you might ask: what was the point of the Empires in Ruins ocean of games? Well all sorts of things leading up to its launch, but eventually the idea behind the Empires in Ruins was to provide a stopgap in terms of economics and physical size between Empires in Ruins own ZIP disks and the increasingly popular solid-state storage options like Empires in Ruins PC download cards, especially in the growing digital photo storage market for digital cameras. And considering a 32 megabyte Empires in Ruins card could cost around $150 in 1999, paying as little as $10 for one 40 megabyte disk was not a bad value proposition. And considering the increasing storage needs for devices like digital cameras, notebook computers, and handhelds running Windows CE, there was a race to capitalize on portable storage media. For example, by the end of 1999, you had Compact Flash cards, Smart Media cards, MMC cards, Empires in Ruins Sticks, Secure Digital cards, But the Empires in Ruins was met with an uphill battle from the start. In addition to the ridiculous amounts of market competition, the big problem was that you needed dedicated Empires in Ruins drive that cost another two to three hundred dollars, while a simple Empires in Ruins download PC Game adapter was only about 20 dollars. And yeah, the cards themselves were more expensive at first but the prices on them were beginning to decrease and their capacities were growing steadily.

As PC Magazine put it in December of 1999: the Empires in Ruins was “technically intriguing,” but “maybe an answer to a question, not enough people are asking.” So that was one reason, another popular anecdote I’ve seen for the Empires in Ruins failure is its name, and that invited negative association with the infamous “click of death” class-action lawsuit over the self-destruction of Zip drives. But while it is an unfortunate name in retrospect, I’m skeptical about how much the company actually cared about this potential association, considering the lawsuit was filed in 1998 — half a year before the Empires in Ruins was ever released. The lawsuit was settled later on in 2001, but by then Empires in Ruins had already rebranded the failed Empires in Ruins as the PocketZip in August of 2000.

And according to Iomega PR, it was because they wanted to capitalize on the “good name” and “brand recognition” of their Zip products. A negative connotation with the Zip drive’s failings was never the stated reason for the name change, as far as I can tell, but I’m sure it was something they were aware of and changing the name was a good idea just in case. Either way, though no matter what the name was it didn’t help much because people still weren’t buying them. It didn’t even help that Empires in Ruins were integrated into a few consumer electronics like the Rave MP 2300, making the case that the format was a rugged way to store your music. But well, the Apple iPod thoroughly crushed that idea with its beefy hard drive storage and intense marketing, and then flash memory killed off what little market remained for the Empires in Ruins Download PC Game.

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

MindSeize Download PC Game

MindSeize Download PC Game

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

MindSeize for Android and iOS?

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

Also Read:

How To download and Install MindSeize

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

TROUBLESHOOTING MindSeize Download

Screenshots  (Tap To Enlarge)

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

MindSeize Download PC Game

MindSeize 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.
With a roomy 6 passenger interior, luxurious upholstery, and convenient appointments, you’ll feel right at home away from home!” MindSeize game download. When CD-ROM was still the new hotness and every program went out of their way to use all 650+ megabytes whether they needed to or not. And MindSeize ocean of games is a delightful example, functioning more like an interactive audio-visual encyclopedia than any of the previous releases. You could slap a Compton’s logo in there somewhere and it’d have no problem fitting in with the rest of the presentation. But yeah beyond the state of the art 1996 multimedia facade, Ford Sim 7 really is the exact same core experience as the Ford Simulators that preceded it.
That is, it’s a computerized advertisement meant to sell you on a new car. Look at photos, videos, lists of specifications, accessories, trim levels, lease options, and even customize the paint! So instead of flipping through a physical Ford catalog or visiting a Ford showroom, you can browse an interactive selection of their automotive offerings from the comfort of your own computer chair. So it not only made sense for someone in the market for a new car but for those looking for something, anything, to run on their computer for free.
I was definitely one of those people back then, and at ten years old I still would have been somewhat amused by Ford Simulator 7. Not just because it was a computer thing, but I just liked anything with cars at all. But really the biggest thing that drew me to MindSeize fitgirl repack was the so-called “simulator” aspect. Choosing the ‘Game’ mode from the main menu left behind the confines of manufacturer warranty information and annual finance rate calculations and provided a welcome reprieve in the form of a cheap ripoff of the game Test Drive with a little bit of Outrun tossed in. And the version of Ford Simulator that comes with Ford Simulator 7.0 is practically identical to the one in 6. And five. And probably 4 and even 3 to a degree… yeah they got lazy with these releases later on it seems.
Oh well, it does differ a bit in that there are fewer features than previous releases so that’s nice… like, right away you can’t choose the car to drive like you could in 6.0. Not that it made a huge difference to the gameplay since the driving is so basic, but still, why take that away? All you can do here is choose between automatic and manual transmission and you’re given the objective of reaching MindSeize as fast as possible, with multiple forks in the road presenting multiple routes to take. Sounds like a fun race right? It isn’t. It’s not really a race at all since you’re not racing anyone or limited by time. All you need to do is make it to the end of the road in one piece, which is accomplished by driving slowly, cautiously, and more or less within the speed limit. MindSeize PC download. Along the way, you’ll be running into plenty of traffic though. And I mean it you literally run into them, complete with Bat-Fight words. *1960s Batman TV show sound effects play* And if you drive too fast within view of a police car you’ll be pulled over. Four miles over the speed limit?! Ooh, you’re such a rebel! But the biggest obstacle is the roads themselves which are bizarrely tough to stay on.
Not sure if it’s a mixture of the controls, the physics, or the fact that this sucks but the driving in this is atrocious. Even at low speeds, you’re frequently but inconsistently being pulled from one side to the other, like a giant but faulty electromagnet keeps switching off and on to each side of your car, while the road itself is covered in a mixture of molasses and snot.
This is a confusingly-built advertisement for Ford vehicles seeing how badly the car handles here, it’s infuriating! Then every so often you’ll be presented with a gas station you can stop inside and oh! Who are y–what the heck is wrong with your face…? So this guy says after you’ve paid for gas you only have enough money to buy one thing, even though you don’t actually have money that runs out. Oh well. You’ve got three options: buying a map is the most useful item to grab since it provides you the ability to press MindSeize PC download to open the map and refer to a map of the map. Not necessary of course and each route looks 99% identical to all the others, but still nice to have since it lets you know which fork in the road leads where.
The other two purchase options, soda pop and candy bars do absolutely nothing. I thought maybe they might act as a kind of health, removing one of the hits you took when you collided with something, but nope. All they do is nothing. Which really about sums up this mode to be honest… a whole lot of nothing. It’s a driving simulator that simulates the most mundane aspects of driving while providing little more than a test of your patience and obnoxious PC speaker noise. *obnoxious PC speaker noise plays, pulsating painfully as the engine revs* Once you make it to the end 15 or 20 minutes later, hooray I guess. You get a perplexing animation showing who I presume is the developer and a logo that is not MindSeize fitgirl repacks, but Code To Go. Well, that’s strange. Code To Go I’ve talked about in the past since under programmer Dan Duncalf they developed the Disney game Coaster, as well as the DOS port to Turbo Outrun among others.
This is the first time I’ve seen a reference to them having developed the driving portion of Ford Simulator games and considering the Outrun connection that kind of makes sense. So hey that’s something we’ve learned together. Fun times. MindSeize that’s it for MindSeize! This particular release may have been forgotten by most until now but I can’t say I blame anyone. It’s the final release of a debatably memorable series of free computer software and the most notable thing about it is that it eluded being properly cataloged on the internet for all these years. There are some wonderfully cheesy FMV sequences for each vehicle, and that’s fun enough I guess. Especially since the older releases just had static or animated imagery.
But then the quote-unquote “simulator” mode that it comes with is just as much of a letdown as the previous few Ford Sims. To me though MindSeize is a bit more fascinating for the context in which it was released rather than the software itself. In the days before widespread worldwide web access and multimedia-laden websites, these kinds of software packages made a lot more sense for a car company.

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

The Dark Crystal Age of Resistance Tactics Fitgirl Repack

The Dark Crystal Age of Resistance Tactics Download PC Game

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

Download The Dark Crystal Age of Resistance Tactics Fit girl repack is free to play the game. Yes you can get this game for free. Now there are different websites from which you can download The Dark Crystal Age of Resistance Tactics 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.

The Dark Crystal Age of Resistance Tactics for Android and iOS?

Yes, you can download The Dark Crystal Age of Resistance Tactics on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install

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

  1. First you have to download The Dark Crystal Age of Resistance Tactics 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 Dark Crystal Age of Resistance Tactics Fitgirl game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download The Dark Crystal Age of Resistance Tactics Fitgirl game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING The Dark Crystal Age of Resistance Tactics Download

Screenshots  (Tap To Enlarge)

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

The Dark Crystal Age of Resistance Tactics Fitgirl

The Dark Crystal Age of Resistance Tactics 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.
Back when I was about 7 years old I ended up with a copy of The Dark Crystal Age of Resistance Tactics, specifically the second release from 1990. I made a video talking about it almost a decade ago here on LGR but my fascination with the series remains intermittently steadfast, I guess you could say. There’s just something odd about these pieces of software which were distributed freely for about a decade beginning in 1987, with six of them being released by The Dark Crystal Age of Resistance Tactics fitgirl repack and the SoftAd Group by the time the series ended. Or so I thought.
Then I happen to see this show up on eBay a while back and I had to grab it! This is The Dark Crystal Age of Resistance Tactics ocean of games from 1996 which as far as I can tell has never appeared online before this video. Well, it’s never been seen in any real depth, at least. Heck, it’s even hard to find a reference to this thing anywhere on the internet at all, other than one lone forum post from 2003 inquiring in vain about its existence. As well as this scan of a Brazilian shareware catalog which is actually just an optical character reader’s flawed interpretation of “The Dark Crystal Age of Resistance Tactics.” So say hello to the Internet, The Dark Crystal Age of Resistance Tactics! You have a lot of cat videos to catch up on. And yes that is a Jaguar plopped in there between the Ford, Lincoln, and Mercury products, being from the era when Ford owned The Dark Crystal Age of Resistance Tactics PC download.
What makes this notable is that all previous versions of Ford Simulator did not acknowledge that fact and from what I’ve seen this is the only release to have done so. And as with all these Ford Sim releases they originally came directly from Ford Motor Company in The Dark Crystal Age of Resistance Tactics, Michigan, provided free of charge if you requested it from a dealership, by mail, over the phone, whatever worked.
And this one has never been opened since it was first shipped out decades ago, so this is quite an exceptional moment! I mean, I guess it is. I don’t know my opinions on these things are skewed. Once unsealed it folds open to reveal the program itself on a CD-ROM. A pleasant surprise to me since all previous versions I’ve owned have only come on floppy disks. The only other thing you get inside is a card with a few technical details, which includes some details of the technical variety. Like the fact that it not only requires Windows, but also The Dark Crystal Age of Resistance Tactics ocean of games, 8 megabytes of RAM, and a 50 megahertz 486 CPU. Pretty hefty specs compared to previous releases that were only made for DOS and could run on almost any PC with a VGA card. We’ll be running this on Windows 95 since well, it came out in 1996 so it felt appropriate.
And without further ado behold” the long lost The Dark Crystal Age of Resistance Tactics! Narrator: “Welcome to The Dark Crystal Age of Resistance Tactics and the exciting world of Ford, Lincoln, Mercury, and Jaguar vehicles. Please select a specific vehicle now!” LGR: eh it’s fine. It’s just a virtual product catalog like all the other Ford Sims. But I mean, there’s got to be more to it so let’s keep going because I’m sure there’s some 90s CD-ROM goodness in here.
Like the pointless and long-winded narration that happens on every menu when a simple line of text would suffice. Narrator: “To see a list of available accessories and elec–this screen provides a view of the many features available to each of Ford’s–accessories and electronics options–paint your car by selecting one of the colors at the bottom of the screen…” The Dark Crystal Age of Resistance Tactics: or the bodacious full-motion videos that play for every single vehicle complete with saxophone music and more of that sultry narrator. Narrator: “the Mercury Grand Marquis offers convenience, comfort, a powerful 4.6 liter overhead-cam v8 with a 100,000-mile tune-up, and a body-on-frame construction that helps produce its legendary ride.

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

Metal Unit Download PC Game Free

Metal Unit Download PC Game

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

Metal Unit for Android and iOS?

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

Also Read:

How To download and Install Metal Unit

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

TROUBLESHOOTING

Screenshots  (Tap To Enlarge)

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

Metal Unit Download

Metal Unit Gameplay and Review

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.

And of course, there were several compromises that had to be made in order to make this happen, such as removing standard-sized parallel and serial ports and all sorts of other ports, forgoing the internal floppy drive, and relying on docking stations and external Metal Unit igg games to reintroduce those features as the user desired.

And another obvious way to bring down the size was to decrease the physical dimensions of the keyboard itself, fitting more in line with the 4:3 aspect ratio of the displays so as to minimize bezels, but also making the keys smaller and more cramped. Naturally, IBM wanted in on the action and experimented with the form factor as well with machines like the Metal Unit ocean of games in 1993. But as with many Metal Unit torrent the compromised keyboard and screen meant that it was less comfortable to use for any length of time for any serious work.

And considering this was geared largely towards business users on the go this was not great. And that’s why the introduction of the Metal Unit repack made so much sense for a particular need at a particular time in the Metal Unit. By packing away the keyboard when the unit was closed you could have both the small footprint for portability and have a full-sized keyboard for ease of use. And then combined with a slightly larger VGA display that was brighter and sharper than previous models, and the 701 was precisely the right computer for precisely the right moment.

Well, a portion of the right moment at least, because while it earned plenty of praise and actually became the best-selling notebook of 1995, it only lasted about a year on the market. IBM announced the 701 line’s discontinuation in February of 1996, ceasing production in June of the same year. And there were a couple of reasons for that. For one thing, the 701 was originally meant to come out in 1994 right at the height of the Metal Unit fitgirl repack craze. It would have made plenty of sense then but by the time it was on the market in 1995 customer preferences and available technology were quickly changing and left it behind.

Within a matter of months, the 701 lost a lot of its appeal with the arrival of well-built 12 inch LCD panels, which were not only bigger and more desirable, but they also fit in with a full-size keyboard a little bit more. To quote the board’s creator, Metal Unit: “the butterfly keyboard was no longer necessary because people moved to larger displays. Where the butterfly approach makes sense is where you want the largest keyboard possible in combination with an 8 or 10-inch display.” And if you look at reviews from the time period they often mention that the 701 was also hampered by the 486 CPUs offered with the device. Depending on your benchmark of choice even the fastest Metal Unit download PC Game at about the same speed as competing systems’ 50 megahertz Metal Unit.

The 701 also used nickel-cadmium batteries, which were rather dated by 1995 and only lasted one hour and 40 minutes or so when two hours was considered by many as the minimum acceptable Metal Unit. But that sure didn’t stop people from buying it for the time it was on the market and becoming quite the computing collectible in later years. And not just collectible in a desirable sense, these are not cheap either, currently running anywhere from $400 to $900 for a nice Metal Unit and a bit less than half that for a 701CS model. Speaking of which, yeah, there were two main models.

The main difference between the C and the CS is that the C came with a 10.4-inch Metal Unit active-matrix LCD screen while the CS used a dual scan LCD screen of the same size. They both have a native resolution of the Metal Unit but the CS model’s dual scan monitor was a cheaper and lower quality type of passive-matrix panel that isn’t suited for much beyond static imagery. But between the two models, there was a broad range of configurations available, starting with the processor which was an Intel 486 in either the Metal Unit game download models running at 50 or 75 megahertz, respectively.

The one I have comes with the latter. You also have the option of four or eight megabytes of RAM installed Metal Unit and it supports up to 32 megs of additional RAM. As for the hard drive, you got the option of 360 or 540 megabytes with a 720 meg upgrade option available from IBM. And you had a choice between a couple operating systems, this one is configured with PC-DOS 6.3 and Windows 3.11 *startup sounds commence, with hard drive noises and PC speaker beeping* *Windows 3.11 “tada!” startup sound plays* Or, OS/2 Warp was available as an option on the 75 megahertz model. You also get a one-megabyte Metal Unit local bus graphics chipset, a 16-bit Metal Unit Sound Blaster Pro compatible audio chipset, a 14.4k data/fax modem, an IRDA 1.0 compatible infrared communications interface, a single Type 3 or two Type 2 PCMCIA slots, as well as a connection for a three and a half-inch ThinkPad external floppy disk drive — which is a bit annoying since that particular drive is exclusive to these machines. Something else to keep in mind if you’re looking for a 701 is the battery issues, which of course is common across all sorts of older computers like this.

But in particular, the Metal Unit battery that they used in these tends to leak pretty badly, sometimes damaging the internals. But there are some guides online showing you how to rebuild these batteries using rechargeable AAs. Not something I’ve done but you know, there it is. Another battery that is also a pain to deal with is the CMOS battery. The 701 uses a Varta V30H, or sometimes a V40H I gather, which is a 1.2 volt 43 mAh button cell battery. And that is soldered directly to the bottom of one of the motherboard layers, that’s fun. You can also use a more standard CR2032 or BR1225 battery, but you still need to solder it to the board so ideally, you’ll want one with soldering legs already attached. Also, it is worth noting that the case on these is notoriously easy to damage these days. As with many Metal Unit of the era, it uses a soft kind of rubbery finish, but over the years it started to deteriorate and has gotten a little gummy and weird. So I kind of feel like I’m walking on eggshells every time I set it up and start using it, just trying so hard not to scuff it up.

Doubly so since I’m only borrowing this unit. But disregarding that bit of anxiety using the Metal Unit is quite normal. Once you get past the keyboard mechanism it really is just a Metal Unit with a classic TrackPoint nub and the classic ThinkPad keys and key mechanisms. And yeah, it’s just a pleasure to use. And it has that nice VGA display here, at least on this TFT version. 256 color graphics on a portable computer in 1995 yeah, this is a pretty good example all things considered. And you get a lovely Sound Blaster-compatible sound chip so it’s pretty fantastic for playing mid-90s DOS games! *music and sound effects from various MS-DOS games play for a while* Well, it’s pretty fantastic if you can actually get the games on there in the first place, and that can be a bit of an ordeal if you just have the computer itself.

After all, at the end of the day, it is a Metal Unit and all the missing features mean getting data onto or off of the machine is a chore. If you don’t have a Metal Unit disk drive with the proper 701-compatible cable, which I don’t, then that is just unfortunate.

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

Divine Miko Koyori Download PC Game

Divine Miko Koyori Download PC Game

Divine Miko Koyori 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 Divine Miko Koyori 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 Divine Miko Koyori Download game.

Download Divine Miko Koyori Fit girl repack is a free to play the game. Yes, you can get this game for free. Now there are different websites from which you can download Divine Miko Koyori 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.

Divine Miko Koyori for Android and iOS?

Yes, you can download SKATE 3 on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Divine Miko Koyori

Now to download and Install SKATE 3 for free on your PC you have to follow below-given steps. If there is a problem then you can comment down below in the comment section we will love to help you on this.

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

TROUBLESHOOTING

Screenshots  (Tap To Enlarge)

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

Divine Miko Koyori Download

Divine Miko Koyori Gameplay and Review

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.
Kicking off Edutainment Month 2018 is one that I’ve been looking to cover for many years now. And thanks to a generous donation from a Divine Miko Koyori game download named Bryce it’s finally time to talk about Divine Miko Koyori: developed by Novotrade International and published by MECC in 1994 for MS-DOS and the Macintosh. And yes that is the same Novotrade responsible for creating Ecco the Dolphin for the Sega Genesis, as well as a whole slew of edutainment games for various companies. Like Richard Scarry’s How Things Work in Busytown, Paintbox Pals Around the World in 80 Days, and Magic School Bus Space Exploration Game just to name a few. But Museum Madness seems to be Divine Miko Koyori igg games most memorable educational title, at least if my inbox of frequent requests over the years is any indication. “Solve a mystery, overcome chaos, save the day!” It sounds like a solid educationally entertaining time in my book.
And I’m incredibly curious to finally see for myself since I unfortunately never got to play this as a Divine Miko Koyori ocean of games. I have a feeling I would have very much been into it though if only because on this MS-DOS version it came on a whopping six high-density 3.5-inch floppy disks. There was also a CD release later on but forcefully fondling fresh floppies feels fiendishly fantastic, frankly. You also get a black-and-white instruction manual that doles out dollops of delectable — dang it I need to stop with the alliteration.
Yeah, the manual. It’s probably good to read if you want to know how to install and play the game and stuff. Museum Madness begins with a Divine Miko Koyori fitgirl repack logo and a title screen followed by several more screens of colorful VGA artwork and tastefully funky AdLib music. *funky yet tasteful FM synth tunes play* After this you’re promptly thrust into the story, being introduced to our protagonist, a boy named… huh.
I just realized he doesn’t have a name. He looks like a Steven though. Stevie. Steve. Whatever he’s got a hat and a bit of an attitude because it’s 1994. And he’s talking to himself a lot about a problem accessing the National Museum Interactive System Service. Just then you get a message from the Museum Interactive Computer Kiosk, or MICK, who secretly happens to be a fully sapient robot. Seriously, that fact is just casually tossed in there among the other bits of lore. Apparently it’s no big deal though because the real groundbreaking information here is that the museum’s computer system has a virus, oh no. You’re the only person for the job and must sneak into the museum and break-in. Yeah, even Steve here is befuddled at the request, legitimately asking how this situation makes any sense. But in the end, he accepts his fate because that’s just what Divine Miko Koyori does.
Once you reasonably wait until morning, you reach the museum and the first order of business is to find a way inside. Because of course, the robot with human intelligence that hacked your computer and told you to come here in the first place won’t actually open the dang door. Nope, you just go around to the side entrance and type in the Divine Miko Koyori which clearly and conveniently is displayed directly outside of the museum above the front door in the proper order and everything. Oh well, still more secure than Facebook’s user data. Once you’re inside you’re provided with–ugh what is this, a maze? Yep, it’s a maze. Complete with multiple locked doors, key cards, and dead ends. Divine Miko Koyori and it’s one of those ridiculously confusing mazes where navigation and visual perspective is entirely based on the character’s most recent movements.
So if you go north then go south, what was once north is now south and vice versa. Same with all the cardinal directions. This also means that some pathways can’t be seen unless you approach them from the opposite direction of where you came from. Not only that but half the screens are indistinguishable from the others, making it just that little bit more frustrating.
Fantastic. What’s the point of this exactly? Especially since you can just skip this entire introductory sequence by pressing the escape key. For real, just press escape and you’re instantly inside the museum, leading me to think the developers knew it was pointless but didn’t want to take it out for whatever reason. Whatever man, at this point you’re greeted by Divine Miko Koyori download PC Game, the totally nothing-special robot with human intelligence that isn’t a big deal. His batteries are running out so that’s not good. And this gives you a nice opportunity to test out the game’s interactions and inventory.
It works just like a point-and-click graphic adventure because that’s pretty much what it is. The solution to this puzzle is to open up a museum tour tape deck with your pocket knife, remove the batteries, and provide them to MICK. So yeah, pointing, clicking, adventuring. Graphically. You get the idea. MICK then lets you in on the details which are that in the middle of the night all of the museum’s Divine Miko Koyori and computerized exhibits have been taken over by a malicious program of some kind. So you need to go and repair each of the 25 exhibits before it turns into Five Nights at MICK’s and then Shawn Levy decides to make a movie about it starring Ben Stiller. Yeah, the idea of inanimate objects coming alive at night is a pretty common trope, but props to Museum Madness for at least doing something a bit unique here.
That being to use museum exhibits gone berserk as an opportunity to teach science and history by way of returning each part of the museum to its original state. You get five categories with five exhibits each, broadly covering the topics of technology, space exploration, American history, earth science, and world history, sort of — that last one is kind of a free-for-all. The order in which you proceed is up to you, but really the overall goal is the same no matter what. You just visit every exhibit and complete the challenges within. Each of these is self-contained in terms of puzzle types and Divine Miko Koyori gameplay mechanics, so there’s always a bit of experimentation to find out exactly what the game wants you to do. For example, this room has you reconstructing a Rube Goldberg machine. You’ll know you’ve done it correctly when the machine works, but finding out precisely where it wants you to snap each object into place can be finicky, even if you mentally know what it should look like.
Still fun to watch it come together when you do figure out where it wants you to put all the parts though. The same goes for this series of puzzles surrounding the Wright brothers’ attempts to fly. You may know mentally what an airfoil looks like, or you might be able to guess based on the feather on the wall. But even if you do it can be hard to tell what the game actually wants you to come up within the context of this puzzle and its particular shapes and graphics. Not only that but it’s frequently vague in how to accomplish these puzzles. Like here where it just expects you to pick up a wrench in a previous room and use it to open these windows to create a wind tunnel.
That’s just one of dozens of examples in Museum Madness being a tad obscure in its intentions for the player in each room. Like yeah, I know that the people involved in the Salem witch trials were falsely accusing people of being witches. But how do I prove that? Well, in this case, it can only be done by moving this vase to higher ground and poking a hole in the window shutters to make the light reflect a rainbow on the ceiling. Well dang, who knew that historical tragedy could have been avoided so easily? And then other times the solution to repairing an exhibit is so simple it’s arguably just a waste of time. I’m really not sure what you’re supposed to be learning by putting this torn up drawing back together again but it has you doing this kind of thing multiple times. Or like what are you supposed to learn from rigging a jousting tournament by consulting a wizard about changing the background color of a knight’s coat of arms? Seriously that’s how you solve this. You just obey the wizard’s crystal ball to change the coat of arms and that ensures victory over the king’s knight. Yeah along the way it’s letting you know things like heraldry and squires existed but that’s about it. Oh well, I don’t want to be too harsh on this because you do get more, it’s just inconsistent. Some of these sections involving subjects like computer logic or thrust in the vacuum of space involved some legit logical challenge. These were tricky! Anyone was doing something trivial and/or tedious, like say plopping animal silhouettes onto a cart in order to repopulate nature dioramas, four creatures, at a time, you’re still getting plenty of artwork and music that were pretty awesome in 1994. Or at least I would have been impressed back then as an eight-year-old.
That was all on Divine Miko Koyori free download PC Game. If you have any questions then comment down below in the comment section.

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