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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.
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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.
- 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.
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- Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.
TROUBLESHOOTING Prison Architect Psych Ward Warden’s Edition Download
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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
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 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.