BRIG 12 Free Download PC game

BRIG 12 Fitgirl Repack Free Download PC Game

BRIG 12 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 BRIG 12 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 BRIG 12 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 BRIG 12 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.

BRIG 12 for Android and iOS?

Yes you can download BRIG 12 on your Android and iOS platform and again they are also free to download.

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How To download and Install BRIG 12

Now to download and Install BRIG 12 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 BRIG 12 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 BRIG 12 Download

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BRIG 12 Review ,Walkthrough and Gameplay

Hello and welcome to how to play BRIG 12 presented by gather together fitgirlrepack.com. This video will cover how to play the card game bridge the video will start with the general concepts and BRIG 12 igg games and then get into more of the details and strategy for the game the video will conclude with an example round the bridge there are different variations to the game bridge this video will cover how to play contract bridge.With four players divided into two teams teammates sit across from each other bridge is played with a standard 52-card.Deck each player is dealt 13 cards one card at a time Bridge is a trick-taking game with the object to score points by bidding and winning tricks a trick is created by each player taking a turn playing a BRIG 12 ocean of games the winner of the trick is the player with the highest ranking card the cards are ranked with ace being the highest and two being the lowest when a trump suit is established all Trump .
Suited cards will outrank the other suited cards for example when hearts are Trump before of hearts will outrank the ten of Spades to win this trick going back to the hand that was dealt earlier I have flipped up each player’s cards for you.To see in an actual game you will keep your cards hidden from the other players the player left of the dealer is first too big or can pass on bidding there is strategy involved in bidding that will be covered later in the strategy section of this BRIG 12 fitgirl repack when bidding a player will announce how many tricks his team will win over six tricks and what suit he wants Trump to be west will open the bidding by saying one heart this means West is saying his team will take seven tricks and once hearts to be the Trump, suit each bid going forward has to be higher than the previous bid a player can bid the same number of tricks in a higher suit or bid more tricks in any suit the suits are ranked with clubs as the lowest than diamonds hearts spades and the highest being no Trump a no Trump bid means exactly that.During the round no suit is considered Trump North does not have a very strong hand and will pass east has a number of clubs and will bid to clubs South does not have a very strong hand and will pass the bid returns to West who will bid two hearts this time this is a higher bid than two clubs made by east as hearts are a higher suit than clubs.
Although North passed the first time he is still allowed to bid if he wants but will decide to pass again East will make a bid of three hearts to let his partner know he has some helpful hearts in his hand South will pass again West now knows his partner has some helpful hearts and West will make a bid of four hearts north east and south all paths and with three consecutive passes after BRIG 12 pc download bid the contract is won by West at four hearts this means the partners of West and East need to win ten tricks during the round the player that won the bid is known as the declare and the player left of the declare leads the first trick West is the declare so, north leads the first trick with the Queen of Spades once the first card is played the declares partner will lay down his hand for everyone to see East lays down his cards and they are known as the dummy hand for the round during the round West as the declare will play for his partner as well as from his own hand.
Only the dummies hand is seen and all other players keep their cards hidden with spades being led every player is required to follow the lead suit if possible .West plays the five of spades from the dummy hand South follows suit by playing the three of spades West follows suit by playing the ace of spades west winds the trick with the highest-ranking card in the lead suit the player that wins the trick leads the next trick West leads the two of spades each player follows the spades led suit with north playing BRIG 12 torrent the four of spades West playing the king of spades from the dummy hand and south playing the eight of Spades East wins the trick with the highest-ranking card West leads the next trick .From the dummy hand with the nine of spades south follows suit with the ten of spades West does not have a spade to follow the lead suit and can play any card west place the Trump suited four of hearts North follows the lead suit with the six of spades BRIG 12 free download West wins the trick with the highest-ranking card play continues until all cards have been played at the end of the round east and west combined to win ten tricks and north and south combine to win free tricks East West made their bid of four hearts by winning ten tricks there are many aspects to scoring bridge a scoring cheat sheet can be found at gather together Gamescom through the link in the description of this BRIG 12 free download PC game.
The bridge scorecard is set up with four areas the left side is for one team and the right side is for the other team the top areas are for bonus scores which will be covered next.The bottom areas are for scoring the tricks bid each trick over six tricks that a team wins is worth points when diamonds or clubs are Trump each trick is worth 20 points when spades or hearts our Trump each trick is worth 30 points when no Trump is called the first trick over six tricks is worth 40 points each additional trick is worth 30 points by winning board tricks over 6 tricks with hearts is Trump east/west is awarded 120 points a game of bridge is won by winning BRIG 12 free download PC game.

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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