STATIONflow Free Download PC game

PerfectLover Fitgirl Repack Free Download PC Game

STATIONflow 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 STATIONflow 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 STATIONflow 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 STATIONflow 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.

STATIONflow for Android and iOS?

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

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How To download and Install STATIONflow

Now to download and Install STATIONflow 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 STATIONflow 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.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING STATIONflow Download

Screenshots  (Tap To Enlarge)

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

STATIONflow Review ,Walkthrough and Gameplay

I’ll come to some seconds the place to find new strategy games and today we’re gonna play STATIONflow download PC game, that I’m super excited to show off it’s called station flow gaming to early access on Steam on 20th of December and it’s sort of like a peeps connection to Metro game we sort of have to do signalling and stuff in a super collider. I’m playing it last night and I played for doula our stairs like a ghost our recording was gonna in the middle of the night so, I couldn’t I was like I still got this morning are we gonna do this so it’s morning so let’s see this now you’re not gonna start from the beginning really start from the end of level 1 just because the game gets more complex as it goes and I really want to show you the complex stuff because it’s so much fun STATIONflow igg games.

So I’ve sort of like leaves the beginning all of it by myself so let me talk to you about what is actually this game about this is a subway sort of like a connection game so, first of all since a big thank you to the developers for the key and essentially what you do is you’ve got this platform down here this this big Metro platform and this is where the metros comes or the subway and the people then go from the matter to different kind of exit so they move towards these we have a lot of exits we have like a to a STATIONflow torrent download and what you do you need to connect it’s already connected with the corridor so you essentially build corridors like this STATIONflow fitgirl repack.

I’m gonna show you as soon as it’s the next day and we get to connect more stuff and then you need to make signaling where essentially you sort of build signals like this let me show you a signal I’m gonna place places signal him and say hey everything which is the metro and all the a exits except 83 are in this direction STATIONflow free download and you get points depending on how happy people are which is you can do you have no people in the station because it’s almost midnight it’s gonna be the end of the day but people can get lost later on we can get stuff like food so they can search for food and then they can like want to find the toilet or that tourist they might just need information because they don’t know what exit they want so they need to check the information and you need to make sure that everybody knows where to go and doesn’t spend unnecessary time sort of being lost and then of course you have to handle your money but haven’t found money to be a big problem so far STATIONflow free download.

I got to like or something was like I gotta stop this alright so on the first day which I did by myself people are super happy and everything and now we get an a star rating and we are going to move to the next week’s going to unlock new things like drinks and it’s going to upgrade the first exit which means that more people will now be coming from this particular exit you can see it here you can see that this is like a two level and this is one level so now people are gonna be coming from here and they will want drinks so what do we here to do my mouse good stuff what we gonna do is we gonna make sure that people are looking for drinks have a place to find them so we should decide where we want to have our drinks so firstly I think it should would probably be a good idea to have some sort of drink sort of like down here like this moment it come out of the metric and go and have a drink and then we’re gonna place some I’m thinking let’s create a small plaza or something like a plaza maybe here in the middle and then this could be our sort of like a drinking spot so we could make this a bit wider STATIONflow skidrow.

We’re gonna place it over here and this is how you place a corridor now as in the real life it takes a while to build stuff so it’s actually a pretty important that you started building pretty quickly because if it takes a long time well done there’s no drink it and we’re gonna have a signals going this way over there now every time you sort of make an intersection I have noticed that it’s kind of important to give signaling in all the direction and rest to people – oh I don’t know where to go so, let’s just say that everything except a1 and drinks is this way also we should probably say the towards drink you could also get to a1 this way if you really want it to and then we need to add a new sim arrow this way which says hey go to 8th year but this is our first thing I’m gonna do the same signaling over here so this is gonna say drinks and then we’re gonna have one that goes this way and this is everything except a2 and this could also say oh and this is also except a 1 right because a 1 is behind so we’re gonna set one more a 1 and it’s in the moment it seems like it’s not gonna be excited matter s3 this game is very exciting it’s just gonna it’s gonna wait for it a little bit alright next we gotta add drink signage to everything else so we can go downie click see on the keyboard you go but we see the training go below and if you click as you go above like on the Mexico because they’re gonna be multiple it’s gonna be elevators they’re gonna be escalators they’re gonna be like I don’t know toilet rooms which are really big and you’re gonna fit them somewhere and it’s just there’s a lot of stuff happening ok now what you can do and I really like it let me show you if you click on this person he came from pot from Pima.

He’s trying to get to a 3 and you can see sort of like a view this is his view and he’s like. Okay looking where to go and he started he was like kind of slowing down so I don’t know where to go and then he saw this sign this is go up the stairs for all a exits and he’s like okay I’m going up the stairs now it’s starting here I’m climbing the stairs and then I’m like okay well what is he doing that he’s like okay 83 is this race is going this way very very good now we didn’t say on this I need to go to drinks are so we gotta see the drinks are here and then you should probably play some drinks because we said that the drinks are here now kind of like placing them sorta in the middle and he could have won back-to-back yeah I think that would be cool and maybe one more over here just so it looks big nice and then later we’re gonna have like information boards and we could place those on the you know like on the other side it’d just be real nice if you gotta move this there yeah you know information boards in between and we’re gonna have like a blossom it’s just it’s gonna be really cool this game it’s just not keep saying that okay so essentially what happens is we have here the current station rank once we get to maximum these sort of progress to next level this is us the current evaluation the valuation is based. How happy people are but also on you can actually give a sign down it it’s also based on like how many exits you have opens or indeed if all exits open but it also might be that you don’t have all exits open so immensely mellow right now interesting point here is he I said he but the drinks are this way but on the stairs it doesn’t say anything about drinks so it can happen is that people kind of turn around say wait wait but it’s a that ordering this but now the stairs don’t say to drink.

 

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.

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