RUNNER HEROES The curse of night and day Fitgirl Repack

RUNNER HEROES The curse of night and day Fitgirl Repack Free Download PC Game

RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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.

RUNNER HEROES The curse of night and day for Android and iOS?

Yes you can download RUNNER HEROES The curse of night and day on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install RUNNER HEROES The curse of night and day

Now to download and Install RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day 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 RUNNER HEROES The curse of night and day Download

Screenshots  (Tap To Enlarge)

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

RUNNER HEROES The curse of night and day Review ,Walkthrough and Gameplay

Welcome to RUNNER HEROES The curse of night and day igg games, we’re here with runner heroes which is a new game on Steam.This is the opening cinematic legends lost between the seams of space .Time carried by the wind capable of dragging words and gods were among those stories one has survived to this day excuse me two princes sitting here before you that’s what I said now okay runner heroes the curse of night and day right so I bought this game on Steam it was reasonably expensive for an indie game . I’d never heard of additionally the game was 16 RUNNER HEROES The curse of night and day fitgirl repack to install.
I’m really hoping that it justifies that RUNNER HEROES The curse of night and day ocean of games I think it wants me to use a controller so we’re gonna use a controller we’re gonna we’re gonna get a controller in here I’m just gonna plug my old controller in all right.
I don’t know I don’t know what we’re doing yeah tutorial let’s go I’m ready I’m ready to tutor me I’m ready to be tutorial I x’d tutorial fine I’m ready I’m ready let’s go huh guess we got a load all 14 gigs right yeah it’s a huge file it was a little bit pricey .It’s a runner game so I don’t know what I don’t know what it’s doing with 14 gigs of space I’m pretty sure Mass Effect one the whole entirety of Mass Effect one .Right so heat round or something and then swallow that flower. I’ve been I’ve been having problems with my mic recently where OBS will just drop my mic stream.That’s very annoying.I’m not sure where it dropped I’m gonna fast-forward through the bits that had no sound just to get to see it .
But you won’t hear my hilarious commentary.But hopefully it doesn’t happen again I will try .Keep an eye on it I don’t know what’s causing it .But we’re going oh here we go so you guys can you guys can watch me do it again .Hopefully the sound stays with us this time .I will make some hilarious jokes .Now I know exactly what I’m doing as well I know about all the dashes .The jumps,I figured the whole thing out I’ve got it RUNNER HEROES The curse of night and day torrent I’ve got it down to an art form I’m the best I’m literally the best at this you guys know because no one else has played it because it’s brand new it’s on Steam.I’m playing it and we can – we join up and we separate we – I want a jump yeah the jumps are hard because if you if you wait if you don’t do the jumps in exactly the right time you definitely do die.It’s not good there we go and jump and jump and out and jump alright so this is where we’ve got a dash got it yes okay here we go so this is this big dramatic RUNNER HEROES The curse of night and day pc download I’m not sure where I lost my mic last time.But it was unfortunate say yes, I was mentioning so this sound here why is he no sound that’s weird and then there was some text there you can’t swim or something yeah it goes really quickly the the words .Stuff so this dude is like drowning in the in the river you can see his eyes there he’s crying he’s sad and then he eats a flower.
I know that’s the first thing I do when I’m in a river is I eat a flower definitely the first thing I do don’t know why the sounds totally cut out for a 14 gigabyte game you’d think the sound would still be there .Here we go he’s coughing cock cock cock are you okay yes that was close oh she slaps him why didn’t you tell me you couldn’t swim you idiot idiot I thought I had it controlled what scared the hell out of me he definitely already drowned yeah it hands of freezing yes he died he’s actually dead isn’t he Lisa I don’t think .I’m gonna let you in because you almost drowned right I think we have a problem what’s the problem what is the problem we won we’re the best we are by far the best day one the curse all right let’s go let’s get into it we’re running we’re running heroes I’m I’m ready to go I’m ready let’s go long loading screens .But that’s okay oh we got a cutscene for several centuries RUNNER HEROES The curse of night and day free download I had known nothing but the great wah.But the arrival of a superior Evo came by surprise .Everything changed Oh so literally it was a bat it wasn’t evil but they weren’t the best one so the red which appeared the technological city of verse sook fell in the blink of an eye the witch did not attend in new negotiations .Soon arrived the White Tower of RUNNER HEROES The curse of night and day fitgirl repack the magicians fiercely defended the great white tower .But his defeat was only a matter of time his defeat that’s weird King Cole one of Olivia MAME to the aid of the kingdom of the magicians man that’s hard to read on White was at a disadvantage yet they fought bravely under cold winds orders. I like this art the arts very cold yet his future defeat was evident .
Then something unexpected happened two kids decided to run okay it’s amazing what you’ve accomplished with your little army wow that’s pretty calm condescending there we may not what now is about over the last four years .Winning will only be a matter of time right you want to say people are offering you a way out oh yeah what’s your way out a wedding right she wants to get married she’s got the thrills for getting married yeah he would end the siege is : accepted the deal the wedding would take place in this kingdom in 42 days according to tradition right it’d be like husband and wife in the eyes of tourists all right so there’s a wedding I don’t I don’t get that how this is linked to our other story Queen Nikita the kings of odyssia.
The witch prepared for the occasion supported by our faith four generals see racks this is like here’s that here is our person I never imagined that I would attend your wedding this way all right so that’s that was a kid .This is them my real wedding will be with you I promise but it’s the only chance to take down the witch oh right so they are the baddies the true purity will talk you your we will attack your army as soon as the witch dies please don’t let me go to this pantomime without a kiss she saw it rawr.
She sits everyone on fire or whatever that is I mean legs said the art-school the story seems really weird father knew [Music] something worse than death I guarantee that not even the next life will you meet when you run the other run that when one rests the other will rest .When one dies you both die on the cold night and the other on a scorching day right so don’t know what happened they they got caught kissing .She freaked out what happened we needed like a 15 years later something where are you are you there I’m totally here where is everybody. I’m still in church but I don’t see anyone.Why is it suddenly night I gotta get out of here right I’m living alone what happened right I sent some resistance like something inside me doesn’t want to move all right so it’s running time right there we go it’s running time all right we’re running down some stairs I guess uh-huh oh my god this camera is making me ill I do not like them I do not like the camera changing I don’t like that at all so can you get out in front of her I can right I do not like the camera at the camera changing.
Definitely making me feel sick here I don’t okay yeah the camera changing there is awful it’s actually awful the camera change but that’s fine we’ll figure it out we’re gonna we’re gonna get this we’re gonna test this beast just gotta stick together here right I mean the conceit is oh my god I hate the camera is our way too is there a way to change that it doesn’t look like there’s a way to change the camera setting that’s fine Yeah right .There’s not a way to change the camera setting we can speed it up yeah .There we go I hate this I actually hate this running down these steps.There’s just no way to see what the hell we’re doing because the camera is trying to do this cinematic thing it’s really annoying right yep .
We’re doing fine so where we apparently can’t see each other we’re running we are running like a boss hopefully there’s some checkpoints in here what okay so here’s a checkpoint that’s good I like that there’s a checkpoint there that makes it doable you know instead of just like infuriating it makes it doable all right gonna do that are jumping are we supposed to burst through the fence we must be supposed to burst through the fence okay nearly fell hidden nearly fell down all right here we go Oh two knots will sit the fence okay well I don’t know what I’m doing wrong then I don’t know what I’m doing wrong guys I have no idea that’s all right though we’ll figure it out we’re doing some running it up Oh mate we’re supposed to dash through the wall well let’s try that let’s try a – this time it’s certainly not clear because sometimes in you.Yeah just whatever that’s fine we’ll try the – this time we’ll give it a go can you can we jump in – what we can jump in the air do we – in the air now okay right so he doesn’t jump as high as she does all right I don’t know what it was just to do here I don’t know what I’m supposed to do with that jump I’m gonna fast forward till I beat that jump I made it it was just about oh my god okay so it’s just about where I press the jump button that’s something more than that but it is very annoying .I don’t know what I’m supposed to do with the next one I’m so I guess I’m supposed to jump as well all right there we go got it yeah we got this figured out we got it going on I nearly didn’t figure that one out though so we’re jumping into this pirate ship there’s no checkpoint before this or after this that’s so annoying okay I’m fast-forwarding to the end of the level .Okay so we got there we beat it we’re the best we win RUNNER HEROES The curse of night and daynew scroll got right whatever that means day two loneliness feeling that loneliness all up inside me all right I’m ready to feel the loneliness let’s go hey ho let’s go loneliness what the hell is this am i trapped in an eternal night looks like.I’m stuck on an internal day people have disappeared where is Colwyn .
My mother for tauros my poor father Odysseus no longer has a yeah .I’m tired of doing that so we’re gonna do that anymore there’s nobody all over Olivia will it be like this in the rest of the kingdoms damn the whole plan has failed hopeless is okay I like the idea I’m saying it like that damn the whole plan has failed hopeless is okay alright here we go this is loneliness so we got some missing floorboards but we failed yep we totally failed I really hate the the the moving camera it’s actually awful I pressed the jump button.It didn’t work so I don’t know what I missed there but that’s fine obviously I miss pressing the jump button I also have no idea what else is to be doing on this ship alright that seems really weird so he dodged those guys we can’t fight them RUNNER HEROES The curse of night and day fitgirl repack I guess yeah Oh nearly hit that wall which is fine I guess so we’re doing okay Oh a nearly died there nearly died .I was forgiving forgiving my trespasses right yeah I don’t from the very beginning yeah I really do not like the checkpoint system in this game at all not even a little bit it’s like I’ve already done a bunch of hard stuff I’m not super keen on doing it.

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:
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.

Leave a Reply

Your email address will not be published. Required fields are marked *