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HEROES OF LEGIONWOOD COMPLETE EDITION Review, Walkthrough, and Gameplay
Honestly feel like I didn’t see half of it. Sorry if the footage looks completely scattered. I mean, my mind was just racing this entire trip. I didn’t know what to look at. Oh, man, what an exciting thing, though. Again, I’m glad HEROES OF LEGIONWOOD COMPLETE EDITION download joined because he just started opening up everything, man. He was like, “These doors slide open, right?” I’m like, “I don’t know, let’s try ’em.” HEROES OF LEGIONWOOD COMPLETE EDITION download. All of these loading bay, garage door things opened up as well. They were seriously disgusting, bringing down a bunch of nasty dirt and grime on everyone, but it not only brought in way more light, but it revealed so many more goodies hanging out. I mean, who knows when the last time some of this stuff was seen. Some of these HEROES OF LEGIONWOOD COMPLETE EDITION ocean of games and Macs. Tandys and interesting clone machines. And one-offs and weird late 70s, early 80s stuff. And not to mention keyboards, holy crap. I haven’t mentioned the keyboards yet. There were hundreds and hundreds of IBM Model Ms and Fs and everything in this whole building. Justin even found this box of unused, like new old stock HEROES OF LEGIONWOOD COMPLETE EDITION, repack tape. Reel to reels used for mainframes and whatnot. This is so cool. – [Justin] That’s different than what I thought was gonna be in there. – [Clint, Alex] Auughhwooo! – This stuff is amazing. Tandy TRS-80s. I mean, yeah, the deeper you look, the more you find.
The only thing I didn’t run across personally were HEROES OF LEGIONWOOD COMPLETE EDITION fitgirl repack and Commodore stuff. A lot of that had been taken already. But in subsequent days, I heard from other people that they found a lot of Commodore stuff. Even found these boxes and boxes of ICs of who knows what kind. Different controller chips and all sorts of things. Yeah, at this point, it was getting pretty late in the day and everyone was dead tired and completely gross. So we decided to close up shop, so to speak. The place is already technically closed, but you know what I mean. And yeah, this is the pile of things that I decided to take home. And actually, I didn’t take a whole lot. I was mostly just here to have the experience, but there were a few items that seemed useful to LGR in the future.
And the only question left was how to get them home. Yeah, I got a one-way ticket here. I just took everything back to the hotel. And loaded it up in my little front room area. And went to bed. I woke up the next morning and got a HEROES OF LEGIONWOOD COMPLETE EDITION fitgirl to repack to the closest shipping place that was open, which just happened to be FedEx. That works. I just wanted to make sure that they packed up everything as nicely and protective-ly as possible. Especially that PCjr. Who knows what’s on there? And yeah, that was it.
Went back to the hotel, grabbed my luggage. I hopped back into my ride-sharing thing and off to the Dallas airport. And yeah, man, all the stuff was en route with the shipping company. I was on the plane myself and well on my way back home and I really, immediately started thinking about what in the world I was gonna do for this video. I’ve got a ton of footage. And yet at the same time, I still feel like I didn’t show enough of it. Whatever, man. It was a whirlwind of a trip. And a couple of days later, my packages showed up. So you know what? HEROES OF LEGIONWOOD COMPLETE EDITION download, see what I got! Okay, been HEROES OF LEGIONWOOD COMPLETE EDITION torrent‘ forward to this! So very first one here was just shipped in the box that it was originally packaged in from the factory.
Only briefly kind of opened it up when I was there, but yeah, check it out. Documentation here. And as far as I know, there we go, yeah. Aw man, it comes with the cable and everything so you got the edge connector here. And the little front panel to go on there. Yeah, if you remember when I did my IBM PS/2 Model 30, I was looking for the proper hard drive. It is a new old stock Type 33, 30 meg drive. If I don’t use it on that computer, PS/2, I’ll use it in another one, but I think this is exactly what I was looking for. Okay, I got a box full of randomness here. Ah, yes, I thought this was an interesting thing to come across. This is Lemmings for the Mac, but this is the Junior Edition. ’12 challenging levels.’ There was a whole box of these brand new. Lemmings demo disks. Junior Edition, yeah, I’d never heard of Junior Edition. So, neat. Let’s see, right here we’ve got a Sound Blaster card. This is a HEROES OF LEGIONWOOD COMPLETE EDITION fitgirl repack Sound Blaster 16. A later one, 1995. This was new old stock, a little bit dirty, but yeah, it was a new old stock topping… Topping? I dunno The top cover, the back part that goes on the PC Convertible. The one I got was a little bit scuffed, scratched. But this one, other than being dirty, was brand new.
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.