Lives so Sweet Fitgirl Repack Free Download PC Game
Lives so Sweet 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 Lives so Sweet 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 Lives so Sweet 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 Lives so Sweet 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.
Lives so Sweet for Android and iOS?
Yes you can download Lives so Sweet on your Android and iOS platform and again they are also free to download.
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How To download and Install Lives so Sweet
Now to download and Install Lives so Sweet 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 Lives so Sweet on your PC.You can find the download button at the top of the post.
- Now the download page will open.There you have to login .Once you login the download process will starts automatically.
- 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.
- Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.
TROUBLESHOOTING Lives so Sweet Download
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Lives so Sweet Review ,Walkthrough and Gameplay
Hey guys welcome back to another Lives so Sweet game download an actual game review.Lives so Sweet free download PC game reviews where I avoid being influenced by developers and publishers and scored the game using the entire one to ten scale where five is average and nines are rare today I’ll be taking a look at love sweet garnished full disclosure. I did receive a review copy of the game from the games publisher or Lives so Sweet download company in order to make this review now that that’s out of the way let’s begin back in Lives so Sweet fitgirl repack an anime aired that went by the name is the order of rabbit or goat chiusa.
This anime featured a cute cast a nice cafe setting and a rabbit mascot Lives so Sweet torrent download garnish is basically the visual novel version of this but with the comfy romantic twist now before I get further into this review do note that I’m reviewing the all-ages version of the game available on Steam an eighteen plus patch is available for this version but it is not a free patch now let’s move on to the pros the first one being the comfy common route love’s sweet garnish is an incredibly comfy visual novel this includes the characters storyline music.Of course the setting the majority of the game takes place in a small cafe run by the protagonist the story begins with the opening of this cafe and then follows the daily activities of its staff whether it be training new waitresses or figuring out what new item to add to the menu the setting makes the game and more specifically the common route a very relaxing read Lives so Sweet igg games.In fact I would say that the common route carried the experience due to just how relaxing it was to read through the next Pro is the language switching feature I quite like this language switching trend.
I’ve been seeing with recent visual novel releases not only does love sweet garnish allows swapping between English and Japanese at any time but it also allows swapping to and from Chinese it is definitely a wise decision to include such a translation especially when considering the size of that market.But I really respect the publisher for including all of these translations in one package there are many visual novels that are released twice on Steam one for Chinese and one for English having both of them in one package just makes it that much easier for the player and is also an added bonus for those learning any of the languages included especially so because the language used in this game is rather low level and the next pro is the auto mode specifications.This is the first visual novel I have played that offers advanced auto mode customization by advanced I mean allowing the player to go so far as to adjust the timing of the game’s auto mode in seconds and per letter as a result I was able to time the game’s auto mode with my reading speed something that I usually struggle with doing so on.Other visual novels this is just one of the game’s many settings but it is so useful to me that I felt it deserved its own shout-out it is a whole lot better than just a regular auto mode slider and as a feature.
I would like to see included in more visual novels now let’s move on to the cons the first one being the unnecessary character drama unfortunately the beauty that is the common route does not last through the two character routes the game becomes a romantic drama during these routes which Lives so Sweet download PC game is not a problem in itself but the way the game goes about it is just annoying the drama contained within these two routes just felt unnecessary and completely out of place with the rest of the game I would even describe it as drama for the sake of drama both routes introduced this drama and wrapped it up so quickly that it made me wonder why it was even included in the first place the game would have been much better off had it followed the route of a pure love story that.
It could have at least a lot of time for the drama to develop naturally rather than forcing it on the player all of a sudden and the next con is the word wrapping issues love’s sweet garnish has some rather odd word wrapping issues there are a few lines where words are cut off in the middle and continued in the next line rather than just being moved entirely to that next line however the problem is much more apparent with punctuation marks if such a mark does not fit on a line it will be moved to the next line by itself this includes question marks exclamation marks quotations etc it was quite common to see whole lines occupied by just a single punctuation mark it is a small issue but occurred often enough for it to become mildly annoying for a game that does not laugh font Lives so Sweet download.
Size customization one would normally expect the font included to not have such issues as such I will be giving love sweet garnish a score of 6 out of 10 love sweet garnish is definitely a more relaxing read than anything the common route is excellent and the language switching feature is a plus to the character routes contain some unnecessary drama though but not enough to completely sour the experience I do recommend the game but do note that if you intend to play the 18 plus version you will have to either buy the full 18 plus version outside of Steam or pay extra for an 18 plus patch.
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.