Age of Civilizations II World War I for Europe map Fitgirl Repack Free Download PC Game
Age of Civilizations II World War I for Europe map Download Europe – New free map for AoC2 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 Age of Civilizations II World War I for Europe map 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 Age of Civilizations II World War I for Europe map 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 Age of Civilizations II World War I for Europe map 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.
Age of Civilizations II World War I for Europe map for Android and iOS?
Yes you can download Age of Civilizations II World War I for Europe map on your Android and iOS platform and again they are also free to download.
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How To download and Install Age of Civilizations II World War I for Europe map
Now to download and Install Age of Civilizations II World War I for Europe map 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 Age of Civilizations II World War I for Europe map on your PC.You can find the download button at the top of the post.
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TROUBLESHOOTING Age of Civilizations II World War I for Europe map Download
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Age of Civilizations II World War I for Europe map Review ,Walkthrough and Gameplay
I can’t believe it’s actually come to me playing this Age of Civilizations II World War I update download. I was such a wide variety of languages from its pick like other tough to ones that English and Korean or is that American do we all speak American Lotus Taiwan Macau and Hong Kong all have their own little flag that’s right all you guys wanted me to play the mobile converted game Age of civilizations 2 which is made in Java I really real you really want me to do really want me to do this how I understand.This game is made by one guy and it is supposed to be a mobile game so I’m gonna base my criticisms on now for starters you’ll have phones right good play mobile games on your mobile phone not on the PC now the game actually is quite similar to Eve 4 in some weird bastardization sense but and they they also have a check point for the great Aimee war Age of Civilizations II World War I igg games.
I’ll give you that one game now I could take the time out of my day to learn the game play the tutorial and just have a bit of fun but I’m one of those stubborn old people who just really can’t be bothered so I’m going to learn by continuously failing until I eventually win but start offers and the Pope it should look at him he’s as poor as I am probably a start with technology points and I’ve got to assign them to whatever I want to tech up in am i doing it right am I making you cringe mobile age of civilizations to players are you not entertained I figured out how to declare Wars and we’re going in we’re gonna take Age of Civilizations II World War I fitgirl repack with my army which is just a number on a screen with that with the flag next to it which is all I need to know that I’m gonna beat that down hell out of theater look at this look at the battle oh and all that excitement I didn’t realize that Tunis is at war with me at least I think I think that’s what that means those red yep that they were definitely at war of us what the hell Tunis look unprofessional gonna achieve Age of Civilizations II World War I for Europe map Download to prove it we got this one.
Age of Civilizations II World War I for Europe map Download
That was intentional I didn’t want to play as the Pope anyway as 2018 I can’t support such an establishment existing so let’s go play a different nature ago Teutonic order just the other fiat currency that I needed so I’m asked Ewing every time I have to die here I just have to spam all these points again which is just sure I’m sure that won’t get old so I think the issue last time was that I just was not aggressive enough I really need to start pushing before the the AI figures out how to judge death stack a bunch of troops so yeah I took Pomerania no problem and and then the Age of Civilizations II World War I pc download order just came down with like 12,000 troops and just wiped me out while I was over that’s fine everyone right this time around I’m just gonna tax everyone I can’t be bothered putting these points on again you also decide I’m gonna place the Dutch because if there’s anyone that can survive in some sort of weird Age of Civilizations II World War I fitgirl repack.
That is mobile video games ported to the PC it’s probably the Dutch a lot of numbers oh I was it’s fine achievement unlocked I don’t know how to describe how this game controls over then it’s clearly made for a mobile game it’s not by mister freesia except my vassal ization or I’ll go to war with you this douche community if you a to declare war and I I can’t really people oh they accept it I don’t know if this is supposed to work like this but I guess if you can be bothered usually if you’ve got big enough army everyone just accepts vassal ization off of you I haven’t had anyone saying no to me yet I I’m just going around and I vassal I think everybody why are they gonna say oh these guys actually said no okay chug chug go in and take up Flanders think I’m finally starting to get the game now it’s uh you just gotta cheese it that’s what this is what this game should be called age of cheese is – oh wait a second.
Think so buddy what the hell on top of that you have a slice you could just send them another ultimatum and demand their annexation and they accept it although they didn’t accept all of it I just oh they declared independence immediately that’s why well yeah but I’m like your game’s over you can just watch your timeline back on like you can see how every move you’ve made and everything you’ve done and as you can see right there I just got taken out by one promise because I kept spamming in turn and didn’t realize I was at war there she implemented Age of Civilizations II World War I free nations in this game although I don’t really know if that does anything other than just the the flavor of it by you just now that you’re the Dutch Republic who the Netherlands or stuff like that I don’t see if they have anything beneficial to it but you could do it if you like painting maps you have $4.99 in the wallet and you really like port in mobile games based on the jar for outdated engine come on down.
God every time I think I’ve got every province I need to form one of these damn Nations I I still miss one and this time around it should anyone anyone needed action to form a nation.Do I do right now which one do I choose guys do I choose the Batavian Republic the Netherlands or the Dutch Republic of course I’m gonna pick the Netherlands because one is a battalion Republic I’m pretty sure with some weird purpose state that French invaded and set up and a Dutch Republic republics they stink buddy. I’m all about that absolute monarchy I can send Sweden Alliance I I didn’t even think that diplomacy existed in this game more than just demanding everyone’s vassal ization but oh god why do I say yes to this whole shine up here I I don’t know specifically what just happened but I think what I saw happening was Frankfurt just came out of nowhere took over my whole country and I think the Polish were involved because Poland has got damn huge not entirely sure why the Polish invaded me but we’re back guys. I want to shoot myself at this point I’d rather play stellaris it’s gone that bad I’m one of the things I can’t figure out is why the AI just declares war on everyone randomly like England I’m I lie to you but I don’t even know when were Soviet oh wait no I know and the Sophia is all God I said that I’ve just got I’m just gonna if they dem masks all right I’ve just got so much rage just held up inside me.
I can’t be too mean on this game a lot of works got into it I just angry you can also assimilate provinces I don’t specifically understand what that means if it’s some sort of like coring mechanic but the Netherlands the the Denmark Ian’s they’re they’re basically the same people right so sure yeah okay well I think I don’t like it’s the fact if you took walk into a province you own it now so what the fat least there are two French people dies the number two there are two of these French guys just walking around my country just taking stuff over it’s like Pierre and mum Pierre just be like oh yeah that’s good do you never let it have be even one plus.That my rebel has a nice pink flag that’s that’s my type of rebellion right there fight the power of pink boys footage oh my god kill me figured out you can also colonize in this game it’s pretty intuitive you are click on the thrones you pay some money you own it now just like real life why did the Byzantines exist do they have some sort of secret deeper if I don’t know about because there is no excuse for the Byzantines exist was Brandenburg so big well the hell happened.
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.