Tag Archives: Fit girl Repack

Simulacra 2 Fitgirl Repack Free Download

Simulacra 2 Fitgirl Repack Free Download PC Game

Simulacra 2 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 Simulacra 2 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 Simulacra 2 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 Simulacra 2 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.

Simulacra 2 for Android and iOS?

Yes you can download Everreach Project Eden on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Simulacra 2

Now to download and Install Simulacra 2 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 Simulacra 2 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 Simulacra 2 Download

Screenshots  (Tap To Enlarge)

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

Simulacra 2 Review ,Walkthrough and Gameplay

Horror is a genre that’s taken the world by storm and gripped audiences who have a lot of time on the clock and like a quick shock. At its peak, the horror genre gave birth to many different projects, independent and major and from everywhere in the world. I’ve mentioned this countless times already but the horror genre is one that is extremely profitable because one of its main traits is to provoke a response, whether it be emotional, psychological or physical with the main intention to cause them to react with fear. It’s the reason why things like roller coasters are mildly popular, people like to seek out the controlled thrill of one.

Due to the high demand for a good scare, many companies, even more so nowadays really want to get into the business by throwing as little money as they can into the industry and getting a massive profit from it. Producers such as Jason Blum and his Simulacra 2 free download PC game Productions line tend to go for the maximum profit business model by throwing tiny budgets at indie and well known directors (but mostly indie directors) and gaining a massive profit from them: looking at the list of the most profitable films ever made, it’s not surprising that horror films dominate the list, with found footage films like the Blair Witch Project and Paranormal Activity being made with a month’s worth of YouTube revenue and making hundreds of millions of dollars at the box office. Similarly, the horror game industry is an extremely lucrative one. At its peak, independent and AAA games were pumped out at a rate of 50 Unity reskins a second. In 2008 the internet was a complete minefield. Logging onto A.I.M or A.O.L or Y.A.H.O.O or M.Y.S.P.A.C.E was one of the scariest things a child could do because any and I mean any link that was sent to your unsuspecting inbox could lead to a screamer or lead to a website that contains a screamer.

This in turn spawned a lot of Simulacra 2 igg games and gaming channels took advantage of this craze and recorded themselves playing games and making a fool of themselves for millions of people to gather around and watch in the safety of their own home. But in recent times, there seems to be a decline for a good scare, especially online. Every developer seemed to have exhausted all the flavours of the month to the point that there wasn’t any major horror game for what seemed like years: the “survive the night” type of gameplay seemed to have peaked and died with the Five Nights at Freddy’s franchise. The collection type of Simulacra 2 gameplay seemed to have peaked with Slender and died with a trillion and 3.5 remakes of the same game but different setting. With the death of these types of games came a new type of horror: meta-horror. Arguably started and popularised by the 2002 psychological horror game ‘Eternal Darkness,’ meta-horror is a genre that has seen a massive resurgence in video games in recent times. With the rise of social media and shows such as Rick and Morty, many have been seeking a horror game that challenges the usual tropes that are displayed in games that have defined the genre for a very long time.

This has led to a lot of content creators in the general entertainment industry taking well-known established tropes and subverting them, completely swaying people’s expectations on what events should have happened and what events actually took place. Sometimes subversion is good, for example [SPOILERS] in Watchmen, Adrian Veidt has been pretty much outed as the main villain of the story and is confronted by Rorschach and Nite Owl. After monologuing about his plan and what his main goal is to them both, at this point the audience thinks that at this point, they’re going to stop Veidt’s plan from taking place, only for Veidt to inform Rorschach that he triggered the plan in question 30 minutes ago. (Oh SHIT reaction) Simulacra 2 fitgirl repack there’s a good subversion. You’re led one way and taken aback by a completely different event. Many films and games do it well and many do it badly. But in a society where people seek to be validated and are looking for ‘intelligent programming’ to challenge their beliefs and make them seem very smart, developers have capitalised on this change by making games that are aware of what they are. Games such as Imscared, Pony Island, DDLC, A Dark Place and more recently, the Watson-Scott Test. These games are well aware of what they are and they take advantage of it, whether it be that one character is aware they’re in a game and wants out or the game itself knows it’s place and interacts with you by messing around with your computer. Simulacra 2 pc download calls them viruses, I would call it good game design. Similarly, films such as Unfriended and Searching are tapping into a market that a lot of people didn’t bother to look at which is your own computer or phone. These films are very original in that they took the found footage formula and applied it to something new, a Mac screen. While Unfriended wasn’t really great, it attempted to tap into a market that pretty much everyone in the world uses, adding a layer of horror into your own PC screens. This is just some of the many different ways that films and games in general have been attempting to properly scare you. Which takes us to the game I’ve decided to spend a century playing so I can finally talk about it.

Simulacra 2 2019 found footage horror game developed by Kaigan Games, and is a spiritual successor to the acclaimed 2016 horror game Sara is Missing. In that game, you encounter a corrupted phone and attempt to recover the data, coming into contact with an assistant A.I. who thinks you are Sara before realising you aren’t her: you then have to search through her emails, texts, contacts and so on in order to find her. SIMULACRA is a more fleshed out version of Sara is Missing. It is a horror game that takes advantage of your phone or your PC screen and is fuelled by your own character, which in turn is fuelled by the choices you make at the bottom of the screen, which are pre-made lines that are essentially character establishing texts for you.

In Simulacra 2 ocean of games, a phone is left on your doorstep, horrifically corrupted but still working. After you restore the system the best you can, you discover a video of the phone’s owner, who’s called Anna, pleading with whoever finds the phone not to come looking for her. So of course you go looking for her, but you do it all on her own phone, similar to the 2018 independent thriller film “Searching”. Now that I’ve given you a bit of backstory and context to the game in question, I think it’s time to actually delve into the game and talk about what’s good, what’s bad and what even happens, so before I start I’m going to slap a big SPOILER warning: I will be talking about the game itself in detail: it’s a tense game and is only £3.99 on Steam (and on Google Play/iOS if you want extra immersion), but for the people who look for these types of videos to find an excuse not to play the game, here’s a summary and analysis on SIMULACRA. The game opens with a locked phone and immediately you’re stuck.

That was all on Simulacra 2 fitgil repack free download PC game.If you have any questions then ask down below in the comment section.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Virgo Versus The Zodiac Fitgirl Repack

Virgo Versus The Zodiac Fitgirl Repack Free Download PC Game

Virgo Versus The Zodiac 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 Virgo Versus The Zodiac 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 Virgo Versus The Zodiac 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 Virgo Versus The Zodiac 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.

Virgo Versus The Zodiac for Android and iOS?

Yes you can download Virgo Versus The Zodiac on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Virgo Versus The Zodiac

Now to download and Install Virgo Versus The Zodiac 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 Virgo Versus The Zodiac 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 Virgo Versus The Zodiac Download

Screenshots  (Tap To Enlarge)

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

 Virgo Versus The Zodiac Review ,Walkthrough and Gameplay

Time to give you honest review on Virgo Versus The Zodiac and also the walkthrough and game play of this awesome game.Virgo Versus The Zodiac will be released on 12 dec 2019.

What started out looking like just another indie JRPG quickly became one of the most interesting RPG games I have ever played. I am chocolatier games with computer figures Network and today I will be reviewing Virgo Versus The Zodiac free download PC game, released by moon Anna Virgo versus the zodiac as a turn-based JRPG in which you plays Virgo Versus The Zodiac igg games with bringing the world back to its proper golden age state instead of its current bureaucratic nature.

This seems to be a righteous and just cause but you later find yourself to be the villain as the choices you make seem darker and less in the public interest as you progress one of the best things about this game is its combat the turn-based JRPG combat is by no means a new concept and it has been played with a few times a recent example being undertale incorporating little minigames and challenges into its combat but virgo vs the zodiac free download uses a unique mana system to set it apart.

How to play Virgo Versus The Zodiac Fitgirl repack

The way Virgo Versus The Zodiac works is you block to increase your mana or purity and then unleash it in the form of a spell aka a purge this adds a bit more strategy into each fight as you often have to switch between blocks purges and attacks instead of the typical hit them til they die or you die or use spells till you can’t then chug a mana potion methods this requires thinking and planning with each movement. The result is a satisfying win I adore this combat method and combined with all the crazy status effects like tainted or confused the enemies can use on you makes each fight feel unique and fun the story is nothing new but uses things like zodiacs and horoscopes to give a fun cosmic feels of the game the villain plot point works even better when you see where the villain is coming from.

Virgo Versus The Zodiac ocean of games makes some sense with the decision she is making in the value she holds over time however the decisions seem more evil and the progression really helps keep you engaged the games aren’t music are by no means of anything special the art is some solid pixel art. I have no complaints with that one thing that does differentiate from other pixel art games is it uses HD cartoon sprites for the icons next to the text boxes and I love that I love that style and it really brings out the pixel are in the rest of the game and separates the talking and plot from just the gameplay.

I appreciate how the battle animations are very high quality and it resembles that of an old game in a way a lot of old RPGs really don’t the color palette does a good job of reflecting a space theme with a wide variety of purples and blues to fully wrap that theme up my biggest complaint on the audiovisual side is the music it loops a lot and it doesn’t really fit with the stages it often consists of upbeat electronic tracks.

That was all on Virgo Versus The Zodiac fitgirl repack free download PC game.If you have any questions related to this topic then comment down below in the comment section.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Total War WARHAMMER II The Shadow & The Blade Download

Total War WARHAMMER II The Shadow & The Blade Fitgirl Repack Free Download PC Game

Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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.

Total War WARHAMMER II The Shadow & The Blade for Android and iOS?

Yes you can download Total War WARHAMMER II The Shadow & The Blade on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Total War WARHAMMER II The Shadow & The Blade

Now to download and Install Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.
Total War WARHAMMER II The Shadow & The Blade DownloadTotal War WARHAMMER II The Shadow & The Blade Download
Total War WARHAMMER II The Shadow & The Blade DownloadTotal War WARHAMMER II The Shadow & The Blade Download

Total War WARHAMMER II The Shadow & The Blade Review ,Walkthrough and Gameplay

Total War WARHAMMER II The Shadow & The Blade DLC Download

Total War WARHAMMER II The Shadow & The Blade Dlc download is a great game to play .This is the brand new dlc of this game now to know more about this game read the bullets points.

  • Total War WARHAMMER II The Shadow & The Blade DLC is free to play.
  • You can download this easily and it’s highly compressed.
  • errors and other bugs are fixed.
  • It has many new features.

Come back to total war Warhammer – and to be precise the brand Total War WARHAMMER II The Shadow & The Blade new DLC. This shadow and the blade which I’ve managed to get my hands on just a little bit early ,because bloody how the Warhammer 2 is it’s big these days they’ve been adding a lot of stuff to that over the last two years like in the big mortal Empires campaign which is the combined map of Warhammer 1 and 2.There is a slightly ludicrous number of campaigns available these days but today we’re here to talk about the new stuff because my favorite faction and yours – the best most exciting sexy race in the entire Total War WARHAMMER II The Shadow & The Blade igg games, universe have done very well after this Total War WARHAMMER II The Shadow & The Blade DLC .

I am talking of course about the Skaven also thing like the Dark Elves got some new emo kid with stupid hair or something I don’t know .Ok I’m being mean let’s start off with malice campaign because the Dark Elves did get some really fun new additions going on here so welcome to the dark elf or Tex campaign this here is malice edge Lord and he is quite the flippin drama queen. You know what I’m just gonna let him speak for himself so yes indeed he’s a little bit on the dramatic side and the official reason is that dramatic is bigger than insane demon is living inside his soul or at least .that’s what he tells his mom when she asked him why he hasn’t got a job and moved out.Yes still the diva most definitely has its uses so how about we just jump over here deal with the Tower of the Sun and we’ll discuss what the demon does for him and of course houses traditional.

You do start off with some of the new units in the Total War WARHAMMER II The Shadow & The Blade ocean of games, so say hello to scourge runner cherish this guys are rather Farner they’re basically yeah ante larger armor piercing chariots that have the advantage of really high speed speed of 84 very very respectable. Indeed together with yen 97 miss our damage of which a very large portion is armor-piercing with a bonus versus large plenty of ammunition – so these guys can keep firing for some flippin time decent armor and health pool as well.

So yeah these guys can definitely take a few knocks they’re pretty damn solid I also do rather like the design that they’ve only got one massive central wheel which strikes me is incredibly practical because if either of these guys just put a single foot wrong they’ll be tangled in the wheel the chariot won’t be able to go anywhere and they’ll be dead but screw it whatever it does look pretty badass Shore and second a really good solid or router this thing is really down nice the blood Rack Medusa this thing does a little bit of everything missile attack is really really down nice 375 damage a hundred and ten range very respectable and on top of that blechy is armor-piercing explosive explosive on piercing so yeah does a very good job against armor good against infantry swell in case it gets go to the melee weapons strength for Mele is very solid indeed 260 arm piercing a 130 base on top of that good all-round stuff decent health pool as well a bit let down.

Total War WARHAMMER II The Shadow & The Blade ocean of games, by the fact that yeah only has armor of 30 has no shield so might be able to get picked apart by range a little bit but really solid all-round up here we go speed of the devil some illyrian river archers want to come and say hello to me well it sure is unfortunate my brand new chariots are worn anti large and to have greater flippin Ranger let’s just start skimming around here if we can just get on top of you absolutely beautiful so a couple of shots start going in and that is gonna start doing a some good hit point damage to them it’s straight away love it if we can just get them a juicer in range to see if we can do yeah we should tear apart these guys nice and fast so Medusa goes in for lovely attack their hits bloody harder and those rivers are starting to take a lot of punishment very quickly right they’re starting to move forward Total War WARHAMMER II The Shadow & The Blade fitgirl repacks ,so let’s get my cavalry and whatnot moving around get my cherries around the back and with yeah this lovely high speed they’re not gonna be doing anything to me disable skirmish mode .I can control that manually they can just skirt around the back and do whatever the hell they feel like this cavalry is yeah called one cavalry never been impressed with it to be honest but screw it should do the job right over here put you into attack mode just go and attack these guys and oh hello over there have you decided to uh crowd round up right here well that’s good so I’ve got a black art nearby so ah this is a good avoid well for you and as for malice himself Akana, but notice we’ve got a print so for that so malice you’ve got yourself some fun abilities like say yeah the blood price significant increase in weapon damage very very nice indeed for minor damage to self last for a very impressive ninety seconds, so go on you just actually do that to yourself start going in that direction stay away from him.

If you’d be so kind there we go you just get over here so he’s gonna do you know pretty darn well in combat but what we really probably want to do is say I don’t know turn him into a demon because he can transform up completely changing his flippin stats and also on top of that his abilities so now now we can start tearing the absolute hell out of things with yams and lovely new abilities here Reaper of souls damage to combatants absorbs hip points from enemies strong versus a single combatant alternatively yes blood storm an explosion that does not affect friendly troops poor versus large combatants weak versus armor plus 22% to damage resistance very very nice and age ca is useful in a wider melee got some good abilities a very very nice indeed how are you guys doing by the way you guys are doing all right but to be honest gel it’s just uh keep laying down some more support on it you it stupid loser will just basically bombard you how are we doing over here by the way you guys are doing a good job just seeing off all of this business that’s absolutely fine how are you guys doing you guys are seeing off all of this get over here knock out these arches you’ve got the armor to just stand up and do that by yourself meanwhile yeah the blood Rack Medusa is just going to excuse me go into melee hit these guys you’ll absolutely tear them apart Lovitz .

If I let’s just see how strong this is so you just use your explosion now and okay how are you doing it all fellas okay we don’t really know he’s napping off but it looks pretty badass it looks great by the way once you actually become the demon you can’t really stop being the demon at that point you just a demon up until the end of the fight anyway just need to take out this infantry over here but it’s starting to fall apart cherry it’s doing a good job back over here cavalry is chasing these guys off you get over here and momentarily hang on I see something over here how about we do a great big friendly explosion – no come back here Malus edge slaw is not done with you yet and explodes lovely so plenty of them have been sent flying love it and there’s still a handful of seagard around here but not if we drop literally flipping everything on their heads there isn’t beautiful and when you take your first city this is where things get interesting because malice edge Lord is in fact ,the first Lord I believe who starts with a nice split Empire because you’re down over here in this very corner to the map but you get a choice either you can just focus down in this corner of the map and not worry about Nagrand for a while, so which case you just say you know what I’m willing to sell my home back in Naga Ronda aBSI finer twenty thousand gold up front and for five turns a growth plus fifty very very useful indeed but in all fairness most those five terms will be used up before.

We actually take over the first province so uh I don’t think it’s a good idea I don’t think it’s a good idea instead no no we are gonna keep everything under control and actually keep our starting city on the very far side of the map see this is overhearing kind of light I don’t know Total War WARHAMMER II The Shadow & The Blade dlc download or something so if we just actually zoom out a bit go over here past all of this past all of this as well need to go a little bit further up yet pass straight by Total War WARHAMMER II The Shadow & The Blade download DLC.

So that was all on Total War WARHAMMER II The Shadow & The Blade download DLC .If you have any questions on Total War WARHAMMER II The Shadow & The Blade igg games then comment down below in the comment section.We will love to help you.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Liberated Fitgirl Repack Free Download

Liberated Fitgirl Repack Free Download PC Game

Liberated 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 Liberated 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 Liberated 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 Liberated 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.

Liberated for Android and iOS?

Yes you can download Liberated on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Liberated

Now to download and Install Liberated 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 Liberated 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 Liberated Download

Screenshots  (Tap To Enlarge)

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

Liberated Review ,Walkthrough and Gameplay

Time to give you a honest review and walkthrough and gameplay on Liberated free download PC game.This is one of the best and and the release date of liberated is 12 dec 2019.

Welcome to the American fitgirl-repack.com.If you’ve never been here before I go through documentaries reviews news all that jazz and today I’m going over a new game called liberated the Liberated download PC game and this is an interesting one because I was actually ,this is the majority of it takes place on spring break that is their data point.They’re using spring break as the representation of the Liberated pc download in that way.

So I’ll get to it real quick it starts off with Panama City Beach and it has these poor fellows that decided to sign up and get videotaped while they’re on spring break like I just I don’t understand why they would do that but but you kind of get an insight on these fellows this isn’t what I want to say is I do not condone all of the Spring Break festivities and everything I’ve been there before actually was there I believe this year I don’t know if I was there during this taping but I was there this year and Liberated fitgirl repack.

This year was taped or whatever but not that month or whatever I don’t know. I was there this year because I remember they cancelled a lot of the festivities right after we had left.This it showed this and it showed the cancellation and everything because there was like horrific events that occurred.So now I didn’t like what they were trying to do I liked how they were they didn’t demonize men and they didn’t demonize women as the culprits of these this debauchery, but when you think about it in the when you pull way back .They pretty much said it was the media creating this narrative that’s you should just fulfill your innate desires as a male or female and you shouldn’t just keep yourself worth, as just a parochial aesthetic way so which makes sense .

Absolutely great message that this is putting out but it’s a small subset of a small area and I think it’s misrepresenting younger people in a light that’s a little unjust because if you look at art man aren’t man went around he would videotape adults these are young kids these are like 18 to 24 or something like that and the we what we know about the brain is the brain doesn’t fully develop until you’re 25 so you get these young kids in this condensed weird unique area where there’s just full of strangers and it’s very tribal they have their flag set up so you get these you get this weird set up that doesn’t represent anywhere in the world besides this small spot.

Okay so I get what they’re trying to say but they’re portraying young people in a light Liberated ova games negative when I see adults on art man or the man show or stuff like that way back win that would not have that wouldn’t have really influenced the this age group at all and it’s just see I respect ,what they were trying to do but they misrepresented a small subset of people that go on spring break and they portrayed him in a light that was horrible so and like you just you get adults doing the exact same thing and it’s I’m not saying it’s just or unjust and I’m not absolutely saying you should not be promiscuous,  you should it’s unsafe you can catch diseases you shouldn’t binge drink it’s very unhealthy people die of dehydration on these trips? Yes you definitely shouldn’t do that but when you get when you get one small set of group of individuals that aren’t even American.

Liberated fitgirl repack and nothing against the nothing gets the individuals themselves either but it’s just a small representation that I don’t think puts it in a great light but if you want to see something that absolutely does represent what the beach looks like and while a lot of people are doing pretty much that that is what it looks like that’s honestly what it looks like so what you just don’t you just don’t get a true representation of like the whole group or generation themselves because a small subset of people go to that that’s a thing that’s that of it and it’s in this weird scenario that’s not does not really happen in real life so it’s like this it’s this portrayal and I get that they’re trying to say that meaty consumption is very very important. I think media consumption if you read negative media you’re gonna be more predisposed to depression and stuff like that I think.

I think you’re gonna be in your recency bias so like I get that I think that’s very important, I think media does have a big pull on people’s perspective of the human body and the value of the human body absolutely I get the message and I really like the message of it but I just didn’t like the representation of the people as this being a huge generational thing like this revolution we’re in it we’re always in a revolution we’re in the technological revolution I’m going live across the internet right now like there’s a revolution there like everything is just nothing’s constant everybody wants static and status  and that’s not happening and just because we have the ability to get footage of this weird scenario that never happens besides once a year and it’s not even allowed here anymore it’s just yeah and they shut it down like they absolutely shut it down.

These small instances within this hour and a half is not representative of the people of the people even at this place you know some people just want to go to a beach and drink with their friends there’s like a there was probably half of the people are probably not at the summit like the summit is this area where all of the schools that have spring break during that week or that whatever they sit there .They post their flag and they put their flag up there and then they all congregate around their flag and then they intermingle with everybody else’s flag it’s a very cool experience, because you don’t get that anywhere else and of course you when you get that month when you when you get large densities of people like that even anywhere there’s gonna be troubling there’s gonna be troubling occurrences.

Liberated igg games  because I think I think if this would have happened regardless it’s just we have the accessibility to it you know so that’s my thing and I met a lot of great people I’m still good friends with a lot of people that’s I’ve met on spring break like we met a good group of people and we hung out with them became friends and then they came to our town the next weekend, so like it it’s not all it’s not all of this there are friendships made and there are like but there is this aspect that is on you get these young people just have this freedom and they just go crazy so you do get that aspect as well but there’s also good aspects within it too and yeah so that’s my that’s my take on the Liberated ocean of games or was it liberated the Liberated torrent download .

That’s my take with it and let me know in the comment section down below if you have any questions or anything like that I do think pop culture does play a big huge role in the representation of sex beauty violations stuff like that I think you get ,I think you get that in bars too though, so I think you get it I think you’ve always gotten it I think now’s never been a better time for the treatment of just individuals themselves let alone if we’re gonna split genders I think men are way I men are way more considerate now and I think women are way more either treated way better than in the 1920’s 1930’s forties fifties sixties 90’s like.

That was all on Liberated free download PC game,if you have any questions related to this topic then comment down blow in the comment section.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Detroit Become Human Fitgirl Repack

Detroit Become Human Fitgirl Repack Free Download PC Game

Detroit Become Human 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 Detroit Become Human 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 Detroit Become Human pc download 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 Detroit Become Human 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.

Detroit Become Human for Android and iOS?

Yes you can download Detroit Become Human on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Detroit Become Human

Now to download and Install Detroit Become Human 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 Detroit Become Human 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 Detroit Become Human Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.
Image result for Detroit Become HumanImage result for Detroit Become Human

Detroit Become Human Gameplay and Walkthrough

Now in this section of the article I will give you a honest review Detroit Become Human and gameplay along with walkthrough of Detroit Become Human free download PC game.

We’re back with another episode of before you buy that sure will we give you some straight-up Detroit Become Human gameplay and our first impressions of the latest games releasing and as usual it’s me Jake Baldino, and today we’re talking about Detroit Become Human download PC game, this is the next game from Quantic Dream another game written and directed by David cage who was behind you know beyond 2 souls, heavy rain and one of my favorites Indigo Prophecy / Fahrenheit.

Detroit Become Human PC download

Now a newcomer might not know this, so I think it’s worth saying that these games and especially Detroit Become Human igg games are playable stories they feel like movies.But they’re really not quite as good in some aspects like writing, but they do have fan bases and frankly I’m in that fan base. I think these games are fun I like Quantic Dream’s games and I was looking forward to this one and with that to me personally of course it seems like Detroit Become Human ocean of games is pretty much what you come to expect from Quantic Dream’s .

Detroit Become Human fitgirl repack

I don’t really think it’ll win over any new fans look if something about heavy rain bothered. You maybe you thought it was boring or not fun or you couldn’t get past some of the awkward dialogue Detroit Become Human torrent download doesn’t fix all of this stuff. But having said that I do think it’s enjoyable and I think it might actually be one of the better games they’ve made overall and also keep in mind I won’t spoil anything and the gameplay footage, here is mostly just early areas of the game now the game takes place obviously in Detroit Become Human 2019 in the near future of 2038, where things feel still somewhat familiar except society is filled with these lifelike Androids.These androids can be owned by humans and are forced to follow orders and basically just kind of work as slaves some are housekeepers, others help the disabled or work as garbage collectors or any other job and there is tension brewing, because of that the convenience is great.

But people are getting frustrated as more and more of them lose their jobs to autonomous androids this coupled with the fact that there is a low-key revolution brewing as some androids are going haywire and are becoming what they call deviant which is them essentially breaking through their programming and becoming free thinking and feeling, so basically it’s a tense world it’s a powder keg it’s a fairly well realized one that doesn’t go too far to develop itself into a full sci-fi world, it tries to adhere to normal rules while giving you little bits here and there like magazines and news stories and environmental clues to suggest tensions with robots drug addiction problems a brewing war with Russia and all these other little cool things that are worth.

Looking into it’s not as hardcore sci-fi as maybe even the trailers at a marketing suggest this is very much more of a character based story but speaking of characters this is the main focus here you bounce around between three of them there’s Kara the caretaker there’s Marcus who goes from kind of like an assistant to an artist to a freedom fighter and Connor he’s like a new prototype homicide detective model and he and his Arc is definitely my favorite you can play through scenes via the different characters and three separate arcs that sometimes converge and you can do Detroit Become Human fitgirl repack and various things as the characters from menial tasks like cleaning to looking for clues climbing stuff talking to people making decisions that are very important .

Of course there are QuickTime event action sequences that require quick button presses and stuff it’s all pretty standard by now and it does little to feel like it’s adding any new mechanics and sometimes you’ll find yourself struggling with the camera joystick also being the interact button and the small motion controls needed not really going as smoothly as expected.

I also wish you could turn off the controller motion stuff but alas I guess is their thing I’m not a fan of that but I do like that the stakes are high in this game the experience is gonna be fairly different for every player because even smaller stuff has multiple paths that all lead to some impressively big branching timeline trees that just show how many different outcomes there are certain main characters can die at certain points and cut some stories and it shorter character relationships will change all that it’ll keep you engaged I think if you’re into it it did for me some character dialogue is kind of cheesy or goofy nothing is cringed as Jason but you know some of the cringe is definitely still there from heavy rain times but then you have other real actors like Lance Henriksen of aliens Fame or a Clancy Brown of Highlander and mr. Krabs Fame that are captured and acted perfectly in this game and it’s a total damn treat to watch them when they are on screen I loved it as a movie fan I will say one thing I did not enjoy was the way the stories are segmented I just feel like the previous games flowed more seamlessly here completing sections wraps it up and you get a whole tree showing all the possibilities you unlock them along the way and how many others are still hidden for another Detroit Become Human playthrough for different experiences.

Finding all the different ways the story goes down or you points which then you can spend on extras to view from the main menu like art and character models and stuff like I really really like that the game is ambitious enough and has so many outcomes that it encourages replayability, but I wasn’t a big fan of every 10 or 20 minutes section feeling like it formally ended faded to black and then I get a completion screen and then a load time until the next section in terms of flow and pacing it felt like a detractor especially compared to previous games by the team which just seemed like they flowed a bit more organically.

Now look that’s like that’s a small complaint but it’s something I picked up on and it bothered me a little otherwise though like I said the story is engaging unfortunately it is a story filled with some cliches and lotsa on-the-nose allegories for race and freedom that just almost feel kind of awkwardly obvious and a lot of it is gonna be stuff you’ve seen before in other games and movies and stuff but despite that I think it still might hold your interest and you’ll find yourself just wanting to play through it it worked for me there are moments where people do some really heinous stuff there’s tense conversations good chase and action scenes and it all feels different enough to keep the pace going now call me a sucker but part of the journey for me was the visuals themselves this is where the developers have really been spending their time graphically.

The game looks pretty damn great with realistic character models and animations but really I want to emphasize Detroit hits a new level of like actual cinematography the in-game camera and scenes are expertly framed and lit and there are moments where the visuals kind of make me feel like I’m watching something like Blade Runner 20 49 or some other movie that Roger Deakins did cinematography for I was taking lots of screenshots during my playthrough and lots of just moving the camera around just kind of enjoying the way everything looks it might not be for everybody.

That was all on Detroit Become Human fitgirl repack free download pc game .If you have any question related to Detroit Become Human pc download then comment down below in the comment section.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging