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The Surge 2 The Kraken store Review, Walkthrough, and Gameplay
But you’re rewarded for persistence and getting your hands dirty, and your whole body dirty. Man, you’re gonna get nasty going through this whole place. I know I did. Not to mention The Surge 2 The Kraken store download balls off. I went through 10 bottles of water. And I still needed more than that, man. Do not get dehydrated.
But yeah, I could wander through this warehouse all day. I mean, I pretty much did. There was stuff in here that I, you know, you wouldn’t even think you’d ever find. Apparently what happened was at one point they were purchasing all sorts of pallets of businesses that had gone out of business, computer businesses or stuff that didn’t sell. Or things that were no longer in use. I found pallets full of computers from The Surge 2 The Kraken store fitgirl repack and several banks and various institutions. A lot of them still with hard drives in them, so you know, you never know what you’ll find on some of these things. And, of course, there was an absolute ton of stuff from IBM in here. A bunch of it is new old stock. And then a bunch of these things. It is labeled as one thing or the box has one thing but it’s not that inside. You have to dig deep and dig into stuff, open things up to see what it is. Like Justin here climbing mount printer, as we called it. Going into these boxes and opening them up to find brand new old stock The Surge 2 The Kraken store ocean of games still in the box. Yeah, there was a ton of PCjr stuff in here.
They kind of bet on that back in the day. And, well, that did not pan out seeing it was one of IBM’s biggest failures. But, you know, if you’re into The Surge 2 The Kraken store torrent stuff, there’s a ton of it here. And just in general, IBM stuff from the 80s, of an unbelievable variety.
Many of these boxes are full of unsold stock of software applications, and even some games. As I discovered once I climbed up to the top of one of these shelving units here. And, oh yeah, great view. Look at all that IBM blue out all over the place. Oh, my goodness. And again, this is hardly getting the scale of things because I’m The Surge 2 The Kraken store repack, 30 feet up or something. And it just keeps going. This place is insane and filled with a ton of printers. But, you know, a lot of other things, too. Found several boxes of new old stock software for retailers like Best Buy and such. Unsold games like Gunmetal here. And some Teenage Mutant Ninja Turtles stuff.
The more you look, the more you find. And yeah, it extends outside as well. Though, of course, baking out here in the Texas heat and weather, for the most part, this is not gonna be worth anything at all. It’s just baked to death out here for who knows how long. Yeah, man, even just out here. If all this stuff were in one spot anywhere else, it would be shocking. But you get here and then you see everything that’s inside and everywhere and it’s just like, The Surge 2 The Kraken store download well. you know, you can just safely ignore all this. Who cares? But, yeah, there’s just an unimaginable amount of technology even just hanging around outside in the open air here. Along with a ton of signage and boxes and other things that, I don’t even know. But yeah, let’s waltz on the back inside here even though I think it’s hotter inside than it is outside. But yeah, Rob was filming with his camcorder at the same time I was going around recording with my phone. And he got some footage of me just looking around in awe. Taking everything in. Being absolutely amazed and seriously not knowing where to look but just looking at everything.
In fact, we were all together for a good part of this before we all split up, like the footage you were seeing earlier. And just kind of taking the tour and going through and checking out every room briefly. Talking about the things they had gotten in the past. And what you might be able to find in certain rooms today. Like, I was curious about all these The Surge 2 The Kraken store game download boxes here. There were no The Surge 2 The Kraken store machines, but each of them was full of new old stock stuff. Found boxes and boxes of RAM boards and expansions and microchannel architecture things.
They have an absolute ton of IBM PS/2 related stuff in this entire facility. Again, though, I was super enamored by the portables and laptop room here. I could’ve easily picked up 20 of these things and taken them home just to tinker with for years. I love old laptops. Oh yeah, that one room earlier I wish I had gotten more footage, that I swear I recorded. And I don’t know what happened to the footage, but yeah, it’s got a lot of terminals and what not. This is one of the most densely packed rooms, but it ended up having some of the most fascinating finds of the entire trip. We’ll come back to that. Oh, and that other room where I found The Surge 2 The Kraken store. Check it out. There was also a Hot Wheels computer or two lyings around. Somebody else picked that up. Yeah, you could seriously find everything in here. There was a brand new old stock IBM PS/1 just hanging out over there. I thought maybe it was full of something else, but no, The Surge 2 The Kraken store download.
And back on out into the warehouse there. And this row, in particular, was one of my favorites. Just seeing how full it was of new old stock IBM software. And really programs of all kinds that were IBM PC compatible, mostly from The Surge 2 The Kraken store fitgirl repack. For instance, these stacks of IBM TopView that… And I actually ordered a copy off eBay just like the week prior, and here there were tons of them. I was also shocked at the sheer mountains of new old stock IBM disk drives.
Of all capacities, too. Everything from the original IBM 5150 drives up through the PCjr and the PS/2 era. Even found stacks of newspapers and magazines from back in the day like this Compute issue from 1984. -“1984!” Or like these pallets where you just peel back a bit of plastic and you’ll see that it is a complete army of computers. All the same type of computer. It was a bunch of these Zenith Data Systems laptops. Maybe none of them work. Maybe all the screens are messed up like this one, or who knows what. Really, you just gotta dig through here and see what you can find. And, man, I had a lot of fun hanging out with you guys there even though I was sweating to no end.
That was not gonna stop me. But, yeah, back up in that upstairs room that was so densely packed with things, Rob found this. It was a box labeled Sierra Online, 1990. Apparently, Robert Fischer sent in one of their The Surge 2 The Kraken store fitgirl repack. Like a development station, maybe? Who knows! Computer Reset had it and they had a repair order. So I’m taking that home. Back on into the warehouse. And the more that I looked the more I found. So many clone computers and The Surge 2 The Kraken store and things that, I would take any one of these. I would be so excited to find even one of these in so many other circumstances. But when you get here, it’s like it all blends together. And you’re like, of course, that’s here. Of course, there’s a hundred of them.
Even things like Compaq The Surge 2 The Kraken store, you know, like the first Compaq desktops. I mean, just tons of them. And a bit later on in the day, I was joined by Alex. He was one of the guys I was hanging out with on the first day I was here. Then I just started getting on ladders and diving into things. He pulled down this box here. He was like, “what is Hercules?” I’m like, “oh my goodness?” It was filled with Hercules cards and all sorts of pretty obscure video hardware from the 80s. He also got some more overview footage from the top here of that ladder he was on. So, thank you very much, Alex. Again, the view is spectacular and almost unbelievable.
Yeah, I don’t even know how long we were here. Maybe eight, nine hours. We were definitely there until it was starting to approach dusk. Those overhead hanging lights don’t do much, especially for some of these back rows here just filled with things. Especially underneath the shelves and everything. So yeah, it’s just a good idea to really bring a head-mounted light. I had one of those. Turned out I needed a more powerful one so just stuck to the handheld, but yeah, dude. Way too much to explore.
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.