Category Archives: DLC

Frostpunk The Last Autumn Download

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Frostpunk The Last Autumn 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 Frostpunk The Last Autumn 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 Frostpunk The Last Autumn Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Frostpunk The Last Autumn 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.

Frostpunk The Last Autumn for Android and iOS?

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

Also Read:

How To download and Install Frostpunk The Last Autumn

Now to download and Install Frostpunk The Last Autumn 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 Frostpunk The Last Autumn on your PC. You can find the download button at the top of the post.
  2. Now the download page will open. There you have to login . Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch 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.

Frostpunk The Last Autumn Download

Frostpunk The Last Autumn Review ,Walkthrough and Gameplay

Whoo Apparently this thing was actually made in Frostpunk The Last Autumn DLC download, Ontario And all the patents have expired so I don’t want to make one of these myself Maybe I could yeah, this just looked absolutely silly Maybe a picture of it. I’m like, yes, please send this my way. I mean look at it you clip a keyboard like a giant model m to the top of your IBM and the Doge that appears to be an IBM Frostpunk The Last Autumn download. I mean, it’s just a couple pieces of plastic I guess, but I thank you very much that one here from Thomas As promised here’s the IBM mousepad Ooh neat this riff on the logo is famous in the world of logo design made by Paul Rand. Oh, man That is an absolute classic Open that up right now.
Yeah, I’ve got a mug with this design on it. I’ve seen t-shirts pins, you know booklets everything IBM it’s just an I don’t know kind of straightforward silly design, but it’s also just a classic. So thank you very much Okay got one here from Tom. I didn’t see any notes, but This thing is wrapped up. Rather nicely. Oh, yeah Not quite the normal piece of computing history that I received But yeah, this is an original piece from the outside of the mosque technology building Mouse technology Of course. We’re the ones responsible for Especially the Frostpunk The Last Autumn igg games used in Commodores machines for a long long time and you know a whole bunch of other stuff CPUs and whatnot But then we offered this. I’m like, that’s so strange. I can’t say no. So thank you very much tom put that right there No, it’s not gonna fall if it did. It’s like three inches onto the table.
Okay, now when hearing from William Okay Cassette tapes and a bunch of stuff. Hey Clint. I took a few tries to get that Looking safer work. Yeah, you know sometimes the L in the eye. Oh, yeah, okay So some different music releases and floppy discs and whatnot. No, I’m not censoring that at all That is what the title is can’t change that. Yeah, I am a Frostpunk The Last Autumn fitgirl repack fan So sounded awesome to me included some other things, too, Unfortunately, it seems he’s got a little bit cracked apart during shipment or maybe this just supposed to look like that it kind of fits The aesthetic but yeah, so these are you know, I’ve collected a bunch of albums on floppy disk albums Usually it’s just different tracks whether they be MIDI files or I have one that’s like just ad-lib music And then sometimes people try to get like actual Frostpunk The Last Autumn PC download compressed music and put on floppy disks And of course, these aren’t disks at all. These are Cassettes and so I don’t know independent weird releases just things of any kind that are musical and odd. I am all for There’s a machine’s user guide. Oh, yeah, this is for the one that’s great. Absolutely. Great. I’ve already covered this but This man and I see one of these in a while when these tiny little shaped many Frostpunk The Last Autumn torrent I’ve actually never seen one on a burned CD.
Well, thank you very much, William. This stuff is great Okay got one here from Jason in Australia Here’s the retail shareware version Oh Duke took them to I promised ah, yes some shameless plugs I’ve seen this show up on eBay and well being that it’s a Frostpunk The Last Autumn fitgirl repack release I kind of thought I’d maybe never get one but Look at that artwork Shareware games from all sorts of companies were released by these different vendors this one, in particular, seems to be red dragon AB by Frostpunk The Last Autumn, Burbank, California So I guess this one isn’t from Australia at all Well, anyway, apparently it made it to Australia And here it is in my hands. I don’t know they always did custom artwork all sorts of companies like this did neat art So thank you very much. This is a cool addition to the collection. Okay got one here from Nathan some nice LG artwork right there Works with a mainframe and as a result of good few of his co-workers have been in the business for a long time Saw these pins up for grabs at work. They sent me a photo of just a ton of different technology Computing related pins. I don’t ever wear pins or pin them on anything but I like them So anyway, we got a couple of IBM related ones.
They’re actually most of these the IBM ones I wanted to take it from them Frostpunk The Last Autumn is a three-letter word. I like this one though. IBM can beat your Wang I don’t imagine that was actually IBM that released that but there was this sort of especially with terminal IBM versus Wang Going on at the time. That’s me. Nerd to you. That’s just silly and then here we got another IBM one So the IBM report management and distribution system if you print store and protect well, thank you very much, Nate, These are delightful, you know, and here’s not from a person but from company retro patents And you may remember actually did a video on some of their products a while back So what they do, I mean it’s in the name they make retro patents.
But yeah, check this out. They’ve got this new Process and it can also do sort of a negative image like on black Instead of white and black it’s like black and white, you know, whatever. Anyway, this looks awesome So thank you very much guys for sending me one of your new products Got one here from Russ It’s an interesting business card you prop chop shop If you need my Halloween stuff, I make props What what man even your packages are scary? anyway Okay, I’ve seen some of these kinds of things for CD Ronix What is this? I don’t know. Enjoy stick of some kind. Alright. Yeah, so here is the main thing that he was sending my way. This is a PC version of the vide video digitizer computerize with some documentation software and of course the all-important card itself and these you can actually Hook up video to this and then capture it – you were an IBM pc-compatible, which is awesome This was something I briefly mentioned when I talked about the Canon RC 250 still video cameras, you know They weren’t digital cameras yet But they could take the still imagery and get it into a digital format with a system like this So I look forward to trying this out Thank you very much for the unusual items. And then what is this even almost seems like a demon gun? kind of Thing maybe it is. Okay got one here from the packing pros I’m assuming that’s not who it’s actually from and just the shipping service Yeah, I remember the email about these but I don’t remember who actually sent them I’ll put that at the bottom of the screen here.
Thank you to you Yeah, I’ve got a couple of Frostpunk The Last Autumn download two’s here He’s a 400 megahertz really I end for this generation of Pentium So yeah one is still sealed, which is pretty neat. I definitely want to use this as some kind of build I don’t know what pretty much not gonna say no to old CPUs inbox. So thank you now. I’m here from Louie. Oh It’s always a special moment Getting nicely wrapped PC game big boxes, and these were a few I didn’t own and these are in great shape Actually, it was brand new and you know, still sealed condition Atlantis the lost Empire the lost games I like these little collections from Disney back then Yeah, here we go Another sealed one incredible machine – been wanting this for a while I have like an incredible machine even more incredible machine free But did not have the second one. This one’s a little beat up, but you know, whatever and get that back into shape This is the original I spy CD-ROM game and might remember the books while there were a lot of cd-rom games to go along with them And yeah, it’s pretty much just hidden object stuff with a few extra interactive elements in there Thank you very much for sending these my way Okay, quite a large one here. I didn’t see a name on the front whoa This is really cool because this one is actually signed by Chris Roberts right there must I’ve got this neat little CD – They sent me this after you know, I did my Gravis ultrasound video as is the ultrasound experience a demonstration of advanced gravis We eat evil synthesis soundcards a cd-from very cool to have And now the rest of this is wing commander stuff I have reviewed this but look at all cool things and it’s signed by Chris Roberts. Anna came with a friggin hat like dude Thank you very much for this stuff.
I am getting larger and this one is from someone you might know if you watch YouTube and the tech community this is from Matt In the UK better known as tech, Mon So yeah, I sent him something He sent me something and yeah, you know just trading cool stuff So I included a mini disc recorder an unusual model Apparently I did not have one at all and in any kind of mini disc recorder that works So he sent me this is darn fascinating a looking unit. I mean is this not the most tech mode thing you’ve ever seen? whoa, that is Just wonderful Okay, so that’s how you open that and it looks like The whole thing kind of comes out too and I will need the power to do that. That’s just what a wonderful device I mean, seriously, it reminds me of like those PS ones and like an answering machine So anyway, thank you very much. Matt and go watch tech Mon if you don’t already it’s a great channel. Ok, Go in here from Emmett. Oh Yes, this is an IBM personal system to speech adapter I was just looking up this because I have a related item that I plan to cover actually a couple of them but then I saw that these existed too and I was about to get one on eBay and then all of a sudden out of Nowhere and got this email Saying oh crap. Well, that’s Well that foam is not a good shape Wow Feels like old like 8-track foam. All right, well, whatever put that back together and clean it up anyway As I was saying got an email Like just as I was about to give one of on eBay and he said oh look I’ve got one in Bucks I’m like, yeah, I’ll take it because it’s really like new old stock for the most part. It’s been hoping, of course, It’s obviously falling apart inside because of that nasty foam, but I can replace that hopefully and thank you very much This is really cool. Got one here from bite delight in the Netherlands Can’t quite get it all in a frame there eat sleep spectrum repeat ah Yes So this right here? well 3d printed shell a lot of projects are coming in 3d printed shells nowadays many ways these Frostpunk The Last Autumn download and This right here plugs into the back of a Sinclair spectrum of you know, various models and provides HDMI output Which is fantastic because I’ve struggled with getting Good out click over here with you know, NTSC and as these things had, you know, just RF output Going to a weird channel and I was in Powell just a pain And then so yeah, this thing is awesome Hopefully it seems like it might be a great solution and then he also sent this as well This is the dip MMC pro 1 which is just fantastic.

INSURANCE

COUNT myself fortunate indeed that it has fallen to me to bring this message of greeting and good will because in your membership and in this audience there are so many with whom I have such close friendly relations, business and personal.
You have already been informed of the appointment by the National Board of Fire Underwriters of a standing Com¬ mittee of Conference with your Association and it is most gratifying to know that the significance of that event is fully appreciated. It does not mean that we have differences that require adjustment or that either you or we are apprehensive of controversie’s or contentions in the future, but rather, I think,- it is a recognition of a certain community of interest, privilege and duty in which a point of contact is needed if we are to utilize all our energies and influence to the best ad¬ vantage.
Our two organizations deal with different phases of the same general subject and it is in the hope that your efforts and ours may be better co-ordinated, and that as we serve the public better we shall the better serve our own interests that we are here to-day.
At the outset it will perhaps be well to make clear to you precisely what the National Board is; what its activities are as well as its limitations. It is a voluntary organization of stock fire insurance companies, fifty-three years old and at present its membership of one hundred and fifty-one com¬ prises practically all of the companies of any importance doing a general as distinguished from a purely local business. In its early days it attempted to regulate all details of the business, but after a turbulent experience extending over a period of some ten or twelve years, all control over rates and practices was abandoned in April, 1876, and ten years later the dead letter of authority over commissions was definitely renounced.
For more than two decades following this action the Board’s chief function consisted of the preparation of statist¬ ical tables which comprised the principal feature of the an¬ nual reports.
It will be observed that long before any other line of business thought of organizing a trust, and indeed before that word was ever used in its present opprobrious sense, the fire underwriters had organized, operated and abandoned theirs, and for more than forty-three years there has been no such thing in the fire insurance business in this country.

Insurance
Insurance

One of the most interesting things in the history of the National Board is the steady and apparently inevitable way in which its activities have come to be more and more of a public service character. This, I am frank to say, was not originally intended, in fact, it was a matter of years before we ourselves became aware of the meaning of the changes which were taking place, but we are proud and happy to be¬ lieve that the fire insurance profession has led all other great business interests in the United States in completing the cycle of this evolution. In other words, more’ than a generation ago, our business definitely and finally learned the lesson that business measures, which were even unconsciously oppressive, of the public, were “bad business” for the companies and that conversely, public interest and underwriting interest were synonymous terms. This may sound like mere assertion, but those who have’ taken the time to study the somewhat check¬ ered history of the National Board of Fire Underwriters will realize its absolute accuracy.
At the meeting of the Convention of Insurance Commis¬ sioners in Hartford last month one of the members com¬ plained that the companies had no central organization with which the state officials could confer and which could commit its membership on matters of rate—overlooking for the moment the provisions of many very explicit anti-trust and anti-compact statutes.
In passing it may not be out of place to remark that the underwriters have sometimes wished that the National organ-: ization or Conference of State Insurance officials had some such control over its own members, but no doubt they wish so, too, and it is through no fault of theirs that they haven’t.
The evolution of our business offered from time to time opportunities for usefulness which the Board was not slow to improve until at the present time it has become a service institution of value not only to its members but to the public.
It holds but one meeting annually, its work being con¬ ducted under the direction of the following Committees, whose names suggest the nature of their functions :
Executive
Actuarial Bureau
Adjustments
Clauses and Forms
Construction of Buildings
Finance
Fire Prevention and Engineering Standards
Incendiarism and Arson
Laws
Membership Public Relations Statistics and Origin of Fires Uniform Accounting.

The working force consists of the General Manager and office, and special staffs, and the general office in New York is a very busy place, employing at present one hundred and forty-eight people.
It would require more time than you can give me to go into a detailed discussion of the work of these Committee’s, but it may safely be asserted that there is no privately sup¬ ported organization in the country doing more for the pro¬ tection of life and property.

Insurance
Insurance

For example, we are maintaining Fire Prevention En¬ gineering Service in three important fields. Our Committee on Fire Prevention and Engineering Standards maintains field parties of trained engineers who are constantly engaged in trying to eliminate conflagration hazards in American cities.
Our Committee on Construction of Buildings reviews most of the building codes prepared by the different cities and is laboring constantly to elevate their standards.
Our great Underwriters’ Laboratories in Chicago, with a branch in New York, employ their large staff of technical experts and their re’ally wonderful laboratory equipment in tests of all devices, materials and processes that directly, or indirectly, affect the fire hazard.
On the personal side our committee on Incendiarism and Arson is rendering assistance to fire marshals and other state and city authorities, and through its own staff of investigators is seeking to make the crime of Arson unprofitable—a work in which the local agents can and do co-operate very effec¬ tively.
Our Committee on Public Relations is conducting an extensive educational work in fire prevention which includes the publication of a widely circulated monthly paper, the pro¬ motion of fire prevention courses in thousands of school rooms and a great variety of other details all calculated to bring the public to an appreciation of the need of careful habits and precautionary measures.
Many of your members receive the publications of this Committee, and we shall be pleased to add to our mailing list the names of all others who de’sire to have them.
Even upon mere technical lines the public interest is a constantly dominating factor.
Our Actuarial Bureau, with its eighty-six employees and its equipment of classification and tabulating machinery and its millions of record cards in files, is making such a scientific study of fire statistics and causes as has never previously been attempted.

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Total War THREE KINGDOMS Mandate of HeavenFitgirl Repack Free Download PC Game

Total War THREE KINGDOMS Mandate of Heaven 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 Total War THREE KINGDOMS Mandate of Heaven 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 Total War THREE KINGDOMS Mandate of Heaven Fit girl repack is a free to play a game. Yes, you can get this game for free. Now there are different websites from which you can download Total War THREE KINGDOMS Mandate of Heaven 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.

Total War THREE KINGDOMS Mandate of Heaven for Android and iOS?

Yes, you can download Total War THREE KINGDOMS Mandate of Heaven on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and install Total War THREE KINGDOMS Mandate of Heaven

Now to download and Install Total War THREE KINGDOMS Mandate of Heaven 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 Total War THREE KINGDOMS Mandate of Heaven 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 Total War THREE KINGDOMS Mandate of Heaven Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screenshots then tap down on the picture to enlarge them.
Total War THREE KINGDOMS Mandate of Heaven Download
Total War THREE KINGDOMS Mandate of Heaven Download
 Total War THREE KINGDOMS Mandate of Heaven Review, Walkthrough and Gameplay

So “Total War THREE KINGDOMS Mandate of Heaven” and “Wing Commander” are having a baby. This is gonna be great! It’s been a long time since we got a good space sim. And Chris Roberts is back on board for this one, and he’s been saving all his ideas for this? I’m definitely on board! This is a man who knows how to make some great games! Go ahead and take my $30! Two years? That seems kind of early, but… I’m sure it’ll be great! So this is two separate games now? This website layout is terrible for new people… Is it a game package? Does “fly now” mean “play the game”, or…? Is it Total War THREE KINGDOMS Mandate of Heaven DLC download

Do I have to buy “Squadron 42” separately? Why are all the game packages ships? Oh my God, these prices… $15000? What’s happening? Well, I guess, people are buying this… Why is everyone buying this, but they have a long way to go. But why did they have a long way to go? See, “Star Citizen” came out during the wave of crowd-funding games at the end of 2012. I was pretty skeptical of crowd-funding. I still am. Total War THREE KINGDOMS Mandate of Heaven ocean of games is usually pretty dumb, but in this case, you don’t actually know if you’re gonna GET what you’re ordering. A lot of them didn’t even guarantee a product. Just ask Tim Schafer… So, for the most part, I thought it was a good way to throw your money into a drain. There have been some high-profile failures. Like developers wasting all the money they were given to make the game, or a voice claiming to be the Sun, saying they can’t work on it anymore. It’s reasonable to accept these kinds of setbacks. If the SUN says “Stop”, your project is over.

At the same time, there were enough successful games that crowd-funding is a thing now. But none are bigger than “Star Citizen”. So how did this happen? How did Chris Roberts assemble a giant nerd-herd to give him over an m… pardon me, not a million… over a HUNDRED million dollars? Let’s take a look at the pitch: CHRIS ROBERTS: “Hi, I’m Chris Roberts! Ever since I saw “Star Wars” as a wide-eyed eight-year-old, I Total War THREE KINGDOMS Mandate of Heaven fitgirl repacks of being a hotshot pilot, saving the galaxy,” CHRIS ROBERTS: “or living like a rogue, making my way across the cosmos.” Chris Roberts is an industry veteran. He knows what he wants to make, and he knows how he can sell it to his audience. The pitch of “Star Citizen” is simple: a combination of “Wing Commander’s” campaign (Total War THREE KINGDOMS Mandate of Heaven igg games ) and a multiplayer universe that will be familiar to “Freelancer” AND “Privateer” players. It had a lot of elements that I look for in a pitch. It was being led by Roberts, who is an industry veteran, and not just some guy with a big idea, so I had a feeling that he knows what he’s doing.

Lots of Total War THREE KINGDOMS Mandate of Heaven torrent will talk about their features, but Chris Roberts had footage and assets to back them up. “Here’s how spaceships will work! By the way, here’s a video showing a spaceship in the game, showing how it works!” As it turns out, proving you CAN make the game is good for FUNDING the game. It went WAY over its initial funding goal. At the end of their Kickstarter campaign, they made about $6 200 000, which is about triple the cost of the $2 000 000 they asked for. But even with all that success, I wasn’t sure if they could still keep in budget. I could just see a lot of cost piling up for the game and all the stretch goals.

But, I guess, he’d made games before, so I figured he could pull it off. It HAD to be privately funded already, and he’d gone to the crowdfunding so he could add in more features to get the game finished. I mean, he was already showing everyone assets, so I figured that he had SOMETHING there. And the stretch goals were promising SO MUCH, like a fully Total War THREE KINGDOMS Mandate of Heaven repack and flyable carrier and over a 100 systems on the launch! I was… kind of right. But I got it backward: he actually wanted to do the crowdfunding to show the private investors that people wanted this game, so he’s gonna get the rest of the money from them. But when the game hit Total War THREE KINGDOMS Mandate of Heaven download, he said it was fully funded by then, so it was all in the hands of the people. When they hit this mark in October 2013, Roberts gave everyone a choice: they could either stop the funding and have a big “Mission accomplished!” banner on the website, or they could get a fund counter and keep going with it. Only 5% of players wanted the game as is. I was part of that 5%. 88% (!) of everyone else wanted to keep going with it. So they kept going with it… To be fair: this is a tricky situation. You have an overwhelming amount of the community saying they wanna give you more money to keep developing the game, and only a small percentage who wanted it to stay as it was. So they kept adding stretch goals. And the money kept piling in. Now, fans like to say that there is NO feature creep in this game, but they were adding stretch goals up to the $60 000 000 dollar range.

The money came in, features kept being added, and the “time to make” kept being piled onto the project. It didn’t look like it would ever, ever end. We’re nearing 2 years past the Total War THREE KINGDOMS Mandate of Heaven download delivery date, and we still have a long way to go. What people backed in 2012 isn’t what’s being made anymore.

No one knows what the release version will be. You can’t really argue that you’ll be getting everything you asked for and more, because not even Chris Roberts knows what’s gonna be in the release version. He said it himself. CHRIS ROBERTS: “We’ll have what we sort of determine as sort of a minimum viable product feature list for what you would call “Star Citizen commercial release”.” Total War THREE KINGDOMS Mandate of Heaven torrent: “Which is, basically, when you say: Okay, we’ve gotten to this point,” CHRIS ROBERTS: “and we still got plans to add a lot more cool stuff and more content and more functionality and more features.” CHRIS ROBERTS: “Which, by the way, includes some of the latest stretch goals we have,” CHRIS ROBERTS: “cause not all of that’s gonna be for… absolutely right here on the commercial release.” “Minimum viable product”. What’s even gonna be in it? Is Chris Roberts gonna ask the Sun? You might think I’m being a little too hard on Chris Roberts. He’s a perfectionist. Shouldn’t that mean that his game will be the best he can make it be? Well… The problem is: perfection takes time. If you’ve watched any of their videos or read through “Jump point”, you’ll see: everything goes through Chris. He’s making a universe, and he is its God. From uniforms to spaceships, to bars – he decides everything and has the final word. So why is this a problem? Well, it happened before… And it was called “Freelancer”. “All this has happened before, and it will happen again.” “Freelancer” started development in 1997 under Digital Anvil – Chris Roberts’ company. And he had big ideas for the game. He wanted to make a virtual universe, where star systems would have advanced AI to have an economy that would run without players, but you could influence their actions.

You could visit planets that would have transportation, weather systems, thousands of players able to play inside of the universe, pursuing missions, doing missions with other players and a single-player element that… wait… Does this sound kinda familiar to you? (whispering) It’s “Star Citizen”! See, he said in the pitch that he was waiting for technology to catch up before he made the game of his dreams, but he made an attempt before. When he revealed “Freelancer” at 1999 Total War THREE KINGDOMS Mandate of Heaven, people couldn’t believe it. “Wow!” – they said. “These graphics look like shit…” (fart noise) But everyone loved everything else about “Freelancer”. People were skeptical about his claims of having a living economy and other features, but it was winning all the “Most anticipated” and “Game of the show” awards. He promised everyone he would release the game in 2000. But the game had issues and he wanted to put in new features, so it was delayed to 2001. It was at this time that Microsoft came into the picture. [malevolent demonic laughter] Microsoft is all those evil video game publishers. The one that hates freedom and creativity and artists.

And I think that the indie game community should come together and formally request the United States government to try and execute these people for their crimes. [sound of chopping guillotine and a woman’s scream] No, but seriously, “Freelancer” was a mess. They were a year and a half behind schedule, were massively over budget, and they didn’t have the funds to even finish the game. When Microsoft bought them, Chris Roberts left the company, but he stayed on “Freelancer” as a creative consultant. Looking at the state the game was in, Microsoft ordered them to bring the ambition down. They took away branching conversations, automated flight control, other intensive features. With a publisher to keep things in check, the game had a goal and a vision. But even with them on the project, it wasn’t released until Total War THREE KINGDOMS Mandate of Heaven skidrow. The dynamic world Roberts promised was there, but the features were really brought down. The galaxy was static and the borders never changed, commodities were fixed, there was no living economy. But the campaign was praised. But not the living universe.

Missions were repetitive. In all, it really wasn’t what Roberts promised, but there were elements there that were really good. People still play it to this day. So it came out 3 years behind schedule, with fewer features than promised on launch. I’m guessing that will be the same thing here.

Does that mean it will be bad? No. But I think there is a lot of people in their community that need to have more grounded expectations. More importantly, they need to stop being so defensive about everything. Just because someone brings up a SLIGHT hint that, maybe, it’s not going to go all as planned, Day 1, they’re not a super-secret Something Awful saboteur out to kill your project and make… G’UH! (sigh) We’ll get to the community later… So, back to “Freelancer”. I don’t think anyone remembers “Freelancer’s” development as well as Chris himself. This is why I think the engine was chosen for this game – Total War THREE KINGDOMS Mandate of Heaven DLC – was very specific. That probably sounded stupid and obvious. Let me explain what I meant by this. CryEngine is a good engine, but in the case of “Star Citizen”, they’ve been fighting to make it work for them. They’ve even hired some key creators from Crytek itself to try and change the engine to make it work for them. And it was built with FPS games in mind, but action games can work too. It’s really hard to do it for a space game.

Especially when it comes to networking. So, why didn’t they make their own engine? The Budget’s a good reason. And time. Converting the engine to 64-bit and adding brand new networking to work with it is taking a long time. And it might have been easier if they just made a new engine. But that’s hindsight for you… So why pick CryEngine? Unreal might have been easier to work with. Or maybe another one… I’ve been backing up what I’ve been saying before, but this is gonna get a little different. This is my OPINION. Or more like “suspicion”.

That was all on Total War THREE KINGDOMS Mandate of Heaven download if you have any questions then comment down below in the comment section.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Prison Architect Psych Ward Warden’s Edition Download

Prison Architect Psych Ward Warden’s Edition Fitgirl Repack Free Download PC Game

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

Download Prison Architect Psych Ward Warden’s Edition Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Prison Architect Psych Ward Warden’s Edition igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Prison Architect Psych Ward Warden’s Edition for Android and iOS?

Yes you can download Prison Architect Psych Ward Warden’s Edition on your Android and iOS platform and again they are also free to download.

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How To download and Install Prison Architect Psych Ward Warden’s Edition

Now to download and Install Prison Architect Psych Ward Warden’s Edition for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Prison Architect Psych Ward Warden’s Edition on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
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TROUBLESHOOTING Prison Architect Psych Ward Warden’s Edition Download

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

Prison Architect Psych Ward Warden’s Edition Review ,Walkthrough and Gameplay

Hey hooks it’s Prison Architect Psych Ward Warden’s Edition dlc download, here how you doing welcome to my first look at Prison architect.The Prison Architect Psych Ward Warden’s Edition igg games, we got the sneezer update this is the new content that they have just released and they have very very kindly the people at paradox contacted me and asked me if I would like to have a little look at it very very kindly provided me with a key for the new content.So I just have a quick look through here we’ve got a Windows can now be added on both sides of new walls I don’t know how much of this is part of the new update there was a reasonable download to go with it there’s loads of things in here quality of life tazer legacy others some fixes have been done.For other things but is there’s a whole load of new items materials and things like that windows can be added both sides of vertical wall art deco and oriental new walls we’ve got new floors limestone flowery field grass and stone sandstone lunar the objects sink hand drywall signs spooky and sakura trees cactus Park wench moose head and more new doors guards gates and secret bookcase door new sign sign post rooms such as canteens and showers grass corner to create angled pathways okay that’s pretty good Prison Architect Psych Ward Warden’s Edition ocean of games.

Multiple new dog types to choose from before and during a game option to choose a wall type for quick rooms room colored overlays can now be turned off in game options extra most used item menu filter has been added bridges are here.Lay them over roads water another land for staff or prisoners to cross rebalance daily payments for higher risk inmates maximum security protective custody death run criminally insane pay more. I’m not gonna bother reading any more of this because there’s loads of stuff there and the big thing about this update is that you’ve now got criminally insane people you’ve got basic cells holding cells where’s the new cell as a shared there’s a luxury Pat there look right you’ve got the psychiatrist office is a new thing so, we’ll just come in and we will very quickly Chuck down. I’m gonna do a very short video of this of some of this new stuff that we’ve got just so you can take a quick look at some of it so you’ve got a padded cell right there you’ve got a padded holding cell right there you’ve got a padded medium cell padded small cell that one there is oh it’s a padded solitary cell that one is so there’s some new stuff there the reason.

Prison Architect Psych Ward Warden’s Edition Download

I’m only just doing a very quick look it’s because we already have an ongoing series for Prison architect on this channel and I will be integrating this into the series it’s just you’re not gonna see it start turning up for probably another week before we start getting into this stuff and adding it into the prison the whole idea of having a prison for the criminally insane absolutely appeals to me I think it’s a wonderful idea Prison Architect Psych Ward Warden’s Edition torrent.

I would like to be able to do it I would absolutely love to be able to add that in as well let’s just make this a little bit easier by, oh we’ve also got psychiatrists that’s another one that they’ve added in so that they can wand around and they can help the criminally insane people as they go through we’ll add in a couple of those and then we’ve got loads and loads of new things. In here sign canteen showers armory so all of these different signs you’ve got various different paintings chest butchers table alright we’ll put one of those out so you loads and loads of extra bits and pieces have all been added in gravestones and supplied for every death it takes base in your prison okay so we can actually build a cemetery if we start having people dying with me in charge people dying is Prison Architect Psych Ward Warden’s Edition pc download.

It’s generally something that does happen we can actually start building a graveyard for it that’s wickedly cool I love that footbridge right here oh I see that comes out that starts there although I don’t know why inmates and staff cannot be built over walls fences and other buildings outdoor only. But I want to build it over anything else but I’d like to be able to build it look it’s not let me do it right steel footbridge there I’m not quite sure why it won’t let me thus know this this just requires we got the the room requirements in here it they they do need power so ,we’ve got those items in there staff in here we’ve had a look we’ve got the new psychiatrist dude objects there’s a lot of them in here there is a lot we’ve got plants in here we’ve got a cactus you can add one of those in we’ve got a lamp the bathroom sink there was this wooden tables here we’ve got new options for wooden tables we got a classy windows put one of those in there to see what it’s like we’ve got a painting where can I put the painting and prison.

This isn’t sell what no oh I see right how do I put the painting on the wall just because it’s prison doesn’t mean we can’t keep it classy right this oh right I can I can put I see right it’ll go there on the wall can’t put it in here and it doesn’t look like I can’t I can put it into a prison cell, but I can go and put it in his office I can’t put it that side I can only put it on that wall up there so, I’m gonna hang a painting up there on that wall we’ve got a leather chair here I’ll put that in the padded cell give him somewhere comfortable to sit down it’s know recently can have somewhere comfortable we’ve got window a large glass we’ve got large standard we’ve got sink and mirror a gym mat a table football.

I could go in there you can play a bit of table football okay so some pretty cool stuff in there rooms in here we’ve got you can dedicate a padded cell psychiatrist office padded cell solitary and padded holding cells we’ve already got all of those so we don’t eat we’re about the flooring we’ve got limestone flooring we’ll put some of that in there I got blue carpet which I will do for the bottom half of that one there Luna a hardened rocky surface with an interstellar look all right Prison Architect Psych Ward Warden’s Edition fitgirl repack .I buy that just put some of that down grass and stones will put a bit of that down as well bamboo floor okay I like the idea of this I do like the idea of some bamboo floor running track yeah that sounds a little energetic for my tastes.

I’ve got to be honest paddock we can have a padded floor in here so we can do that you can’t do padded outdoors but we can do a padded floor in there so, let them do that oh I see look it is actually padded you can see the padding on there as well I like the bamboo one I do like the bamboo flooring that they’ve got going on this that’s quite cool and grass corner right here for footpaths they put that one in there so, then I can put that up like that for a diagonal edge bring that in there look at that that’s fantastic and then you’ve got a that’s a really cool edge on the end of it there for paths going around corners in that we’ve got a sandstone floor right here glad some of that in there you go that can go over that bit and I’ve got brown carpet but some of that in there.

There is our new okay the Sun I like the sandstone one that’s quite a cool one that will fit our desert theme and also that bamboo will and not a desert our jungle theme that we’re doing the sandstone that one there and that one there they’re gonna fit our desert theme that we’re busy working on at the moment. Wow look at these we got loads of stripy doors in here let’s stick a stripy door on there we’ve got that the oak out and what that noise was we’ve got some yellow stuff going on here that’s pretty cool. I like these oh I love the bamboo gates oh that is an ax bamboo fence oh I am loving this because I’ve got what you know we got a jungle theme going on with thing at the moment let’s go really fast so that we go through the night we got slum walls got derelict walls we’ve got overgrown what this is fantastic so I don’t know what ,the gameplay is going to be like when it comes we’ve got the hedges already in there we’ve got a cushioned wall here that’s gonna be an internal wall in there an oriental wall that one there classy blue stripes classy green we’ve got all these fit this is absolutely brilliant we’ve got slum walls this is fantastic.

I love the bamboo wall that is awesome that is genuinely brilliant and then we’ve got foundations in here main ones there and then more wait a minute building brick more in here if I say wall classy Burgundy they’re the foundations and then I go building brick like this and we go for walls and doors and I go with a bamboo door on our bamboo gates on there.They should go and build that we’re just about run out of money.But look at all of what we’ve got here I got a load of prisoners have just come in which shouldn’t have let’s get some staff going shall we put any guard yeah so we’ve got two guards although I don’t have any power on any of that so it’s not like they can do anything there we’ve got overgrown walls and here we’ve got a slum wall so, I’m like you can really go for a theme on this now right that one right there that didn’t change the wall on there we’ve got more in here and I can go for a classy wall like that I see I understand now I understand how it works right I go here and I go building brick.That it’s just a brick wall isn’t it and that’s a concrete wall if I go into more in here and I go with an Art Deco wall like that there that puts that on and we can have a bamboo gate on it as well so I go back into here and I go to more Art Deco slum a rusty wall okay there’s the Art Deco.

That looks pretty cool and that’s this is absolutely brilliant this is amazing right that’s those bits Prison Architect Psych Ward Warden’s Edition download I’ve just about out of time I don’t want to do too much more now I would like to sit so, right here is the new ones you got you got prisoner transfer. I don’t know what prisoner transfer does right that’s the intake oh wait a minute huh high-risk prisoners that are too dangerous at other prisons are offered from time to time b1 there’s a reason they pay highly these are hardened criminals that no other facility wants to take so if you’ve got a decent supermax prison going on and you’re able to take them in you could get some prisoner transfers coming in as well it should be pretty cool criminally insane inmates with a constant level of suppression and require new padded cells and psychiatric help to reduce their privacy comfort safety and freedom needs Prison Architect Psych Ward Warden’s Edition download.Before they ignite you cannot request criminally insane inmates until you have some padded cells ready or a padded holding cell normal cells can be converted to padded cells via the room’s menu right so you’ve got the criminally insane and there’s a whole new sort of thing going on without now that’s just a really brief look at some of the stuff that is available with this new one criminally insane wing in there right this is just a really brief look at what is available with this new update its new expansion at they’ve released okay I think it’s abs it looks absolutely fantastic got loads of extra stuff.

If you’d like to see more of it then please check out my regular series every other day there is an episode of Prison architect and I will be putting all of this that we have just covered into the new update as well I need a warden to be able to unlock the bureaucracy let’s just do that a minute I just want to have one very quick look at that in error I got a warden there he is he needs an office but too bad he can’t have one for a minute and have we got any just looking, to see if I recognize anything see anything that is particularly different it doesn’t appear to anything different. Oh orderlies there that’s a new one right there um normal guards prohibited from attacking criminally insane remember inmates azomite hurt them in the process orderlies are specially trained to restrain the criminally insane without harming them orderlies up will also fit straight jackets to psychopathic inmates at nighttime to prevent them hurting themselves overnight so, there’s a new thing that you’ve got to unlock in order to be able to manage the criminally insane people at the same time that’s all the stuff that we’ve got.

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.