Tag Archives: Fit girl Repack

Fitgirl

MechWarrior 5 Mercenaries Fitgirl Repack

Leave a comment

MechWarrior 5 Mercenaries Fitgirl Repack Free Download PC Game

MechWarrior 5 Mercenaries 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 MechWarrior 5 Mercenaries 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 MechWarrior 5 Mercenaries 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 MechWarrior 5 Mercenaries 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.

MechWarrior 5 Mercenaries for Android and iOS?

Yes you can download MechWarrior 5 Mercenaries on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install MechWarrior 5 Mercenaries

Now to download and Install MechWarrior 5 Mercenaries 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 MechWarrior 5 Mercenaries 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 MechWarrior 5 Mercenaries 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 MechWarrior 5: MercenariesImage result for MechWarrior 5: Mercenaries

Game play and walkthrough MechWarrior 5 Mercenaries

Welcome to my first impression of MechWarrior 5 Mercenaries free download PC game, the demo has hit and we are playing a single mission today and I think I want to make it a little mini serious, so what we’re gonna be doing is we dive into instant action that’s the only game mode that we have available right now and then we’re gonna play the mission we’re gonna talk about what the game is how it feels and what might be better or what could have been done better maybe so at the moment we have 5 different mission types available we have an assassination at the fence at the militia narrate and the MechWarrior 5 Mercenaries download. I’m going for the Ray today because I really like to biome and I can show you different things and aspects of the game here so let’s accept it this is how the Mac lab looks like we’re just gonna add some pilots here and we need a bit of firepower for that so what I want is a bunch of heavy max for example a cataphract assault tank we want an MechWarrior 5 Mercenaries igg games support and then let’s say we’re gonna take.

You know what a Black Knight we’re gonna take the MechWarrior 5 Mercenaries ocean of games and l yeah just a bunch of large lasers medium laser small lasers and so on I myself have an atlas here but I don’t want to play the Atlas because again I want to show you as much as possible so therefore we’re gonna change that to another assault Mac and we’re gonna take the molar knock out why to knock out because it has all the hard points that we need and I wanted to talk about the Mac lip a little bit.

So let’s get in here now as you can see we have a two ballistic opponents to me some opponents to energy heart points and all of those are large hard points they are MechWarrior 5 Mercenaries repack download that have smaller ones as in mediums or smalls and we have different weapon sizes here for example our er elaj a laser is a large weapon, which goes only in a large hot point you cannot put that into medium hard points however you could put anything smaller than that for example flamers into a large hot point or also into a medium hot point.

So this is how it works you can again this is just size based and it’s okay I guess what is important to me here is ammo let’s start with maxing out the armor and I want to show you a different weapon types so I think we’re gonna go and build a nice mixed build here let’s start with ultra MechWarrior 5 Mercenaries fitgirl repack on the ballistics here those are medium sized weapons you can see that here and the two and there’s also a Chia bracket.You can see those little squares there which means that the more squares are filled higher here the weapon is the better stance and has and so on I gotta say the whole Mac lip feels a little bit clunky and the whole UI feels a little bit clunky but this might be an early build .

This might be something that is under you know under development still or that has gotten an overhaul already in the final build it’s just feels big and clunky and from a MechWarrior 5 Mercenaries torrent download, I have to say I personally I don’t like it so much I think it’s not easily accessible for new players and I don’t know if people know what to do if they see that from from the get-go our missile options are going to be a 2lr m10 because I want to show you some lock-on missiles and then we probably put some you know what we put a PPC on this year we’re gonna put a particle projector cannon and I think we leave the other slot empty because otherwise I’d have a bit of a heat problem now we can also go to this year the details this is our old lb ex-mo week just quickly drop that and here you can see this looks more like a full-fledged Mac lab by the way I don’t need that much back arm or let’s go to 15-year I can hold it down it’s good so upgrading Yama on the front.

This is actually okay on the side there the thing is as soon as my center torso is destroyed or both legs in that regard or the cockpit my make is incapable of doing anything so we are dead then and I want to of course prevent that from happening we need ammunition ammunition is found here on the equipment filter tab and I would say we’re gonna take a ton of MechWarrior 5 Mercenaries free download for each long-range missile launcher also I want a bunch of double heat sinks to keep the mech cold so let’s put them in here okay and now we need ammo for the MechWarrior 5 Mercenaries fitgirl repack.

The cannons as well so we’ll put them into the legs here as well as into the head I now putting Emma in the head could be very risky because if emma gets destroys there’s a chance that it explodes and as I was saying earlier if the carpet goes boom we have a problem with our pilot.Okay um what else we have we have a bit of tonnage left over which means we could either put another energy weapon on this year or we stuff more ammunition into this sadly our double heat sinks take up three slots and I cannot put them anywhere anymore, so is that enough ammo actually I want to take that and that’s yeah we’ll do it like that dropping a bit of front armor here and then I’m gonna put another large laser into the mech ,so that you can see that you can see how it looks like much laser here this thing is just so weird but it’s okay absolutely fine so ultra sia mo is there we have everything we need a double heatsinks lrm MO and we are mildly mildly under tonnage it’s fine though.

Okay so we’re gonna apply that it’s important otherwise our state wouldn’t be safe and then we can also paint our mech now this also feels again a little bit clunky I know that PT I wanted to to give the people full control over their paint job however again it’s another example of not being that accessible I would say a color palette a predefined color palette as in Macquarie online would have been easier for people but I think it’s okay so again it’s it’s a bit difficult to actually paint your Mac here again not for me but maybe for some people this looks good by the way are we gonna we’re gonna keep it like that also we can choose from different patterns here for example tab Ian the crusader pattern got a Cobra those are the patterns coming from MechWarrior 5 Mercenaries pc download Online we already know them .

Let’s go back to default go back to default I cannot go back to default okay so reset that No ah alright it’s Buccaneer then let’s go apply that go back also again little response there the the apply button it’s stayed in the position as it was I would have expected it to do gray out so that you know I knew that it was safe now anyway again those are minor things we’re gonna play with the model and I would say this is our land scatter frack Archer Black Knight and oz in the mall. Let’s play this is what you’re here for right this is what you want to see okay so here’s the thing um we have different weapon types.

Different weapon types based on the manufacturer for example they a regular order can intends that shoot a solid projectiles but there’s also a burst fire version of it which shoots multiple projectiles spreading all the damage over you know all the ammo it’s not pinpoint it is more yeah a spread weapon .But it has higher DPS so there are some some variations that you can that you can play around with that’s a cool thing I gotta say so quickly adjusting this if you see on the – let’s put the laser on me three so again this is just to show off some stuff in the lower left corner you see my my silly of my paper tall models sorry miss outlook it’s the laser and that’s the PPC by the way you could see the PPC had a had an array of effect can you SEC like that and this this is a disruption a disruption field if you shoot you’re in right in front of you you are called in that AoE and your sends us get scramble that’s pretty cool and of course everything else that is getting caught in there.

Those are my autocannons so they shoot also in bursts that’s the ultra over cannons and I can I can just double and triple lens and quad.

That was all on MechWarrior 5 Mercenaries fitgirl repack free download PC game.If you have any question related to this topic then feel free to 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

Fitgirl

Hades Fitgirl Repack Free Download PC Game

Leave a comment

Hades Fitgirl Repack Free Download PC Game

Hades 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 Hades 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 Hades 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 Hades 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.

Hades for Android and iOS?

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

Also Read:

How To download and Install Hades

Now to download and Install Hades 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 Hades on your PC.
  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 Hades Download

Screenshots  (Tap To Enlarge)

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

Hades Game play and WalkThrough and different ways to download Hades

Now this section is all about Hades Game play and WalkThrough and different ways to download Hades and at the end of this article I will give you a honest review.So without wasting any time let’s jump into this section.

Hades PC download

Yes finally the wait is over.You can Hades download PC with out any charges.This game is totally free.

  • After the sucess of Hades on PS4 and Xbox the developers of this game released Hades PC.
  • Hades PC is great game to play.
  • It have some of the great feature to play on PC.

Hades PC Download

Hades PC download is an early access roguelike from supergiant games. That pits you against the forces of Hell to secure your freedom and take your place among the other Greek gods.

Hello friends jealous Paul here and in this article I’m going to share with you some tips to help you successfully escaped the underworld in Hades.You start by choosing a weapon and gain various upgrades as you clear rooms and eventually fight bosses it’s important to understand what the various upgrades do and how to maximize them to make a successful run.

Let’s start by going over the weapons how you would lock them and how they play the sword is your default weapon it’s got a quick three phase basic attack that has a knock back at the end the special ability is a nova attack with high damage that also has a large push back effect the sword has some of the highest damage but leaves you vulnerable since you need to be right up in the crotch heirs of your enemies to be in range the bow is the Hades igg games .Cheapest weapon you can unlock at one key it is a ranged weapon with moderate to high damage the basic attack requires holding the attack button and then releasing to fire the arrow the longer you hold the attack the farther the arrow goes.

Hades ocean of games and there is a sweet spot with the bow charged up that will grant extra damage as well the special attack fires a volley of arrows in a cone in front of the player at low damage. However if you stand close enough all of the arrows will hit the same enemy the shield has a basic attack that does moderate damage and has high knock back holding the basic attack button, charges a bulrush attack that does moderate to high damage the special attack is a ranged shield toss that does low damage to several enemies before returning to the player the spear is the most costly weapon that you can unlock and costs for keys the spears basic attack has high range.

Moderate to low damage however if you hold down the attack button you will do a spin attack that does moderate to very high damage the special attack throws the spear in front of you with the first press and then returns the spear to you with a second doing damage both ways the return attack often triggers the backstab effect more weapons will be released later on in the game’s development each attempt to escape from the underworld grants you both temporary runs specific boons and upgrades a day less hammer gold dog boons sent our hearts and pomegranates as well as permanent currency darkness keys and ambrosia obviously all boons are welcomed in every run .

But especially at the start of the game you will see the most benefit from choosing the permanent currency choices keys are used for unlocking the various weapons in the game and upgrading your mirror which will allow you to spend darkness for various permanent upgrades darkness is currency used to unlock various types of upgrades at the mirror of night from the number of dashes you have to the bonus damage to backstab attacks ambrosia is a gift you can give to the various characters in Hades when you give ambrosia to someone they will grant you a keepsake that gives you unique bonuses some of these are obviously goods such as Cerberus as collar which grants 25 extra health.

But others take a bit more time to find the use for such as the black shawl which allows the player to pass through enemies the other upgrades you could find in the game are specific to your run and will grant more power and change the way weapons and abilities work God boons are the most interesting buffs you can get in Hades they provide a variety of effects depending on the god Zeus gives bonuses that deal lightning damage and often have chaining effects whereas Ares buffs often gives you delayed extra damage after the initial damage is it is important to note that God boons can buff various aspects of your specific weapons and abilities and once you have chosen a specific god boon for that weapon attack or ability you won’t be able to switch to a different god boon until your next run for example if I take aphrodite’s bonus for the basic attack I won’t be able to later pick up Zeus’s Chain Lightning bonus .

Two basic attacks later I would be able to pick up a bonus to my dash ability special attack cast attack or some other aspect of my character though there are many different aspects to experiment with and going over each of these goes beyond the scope of this video experimentation is encouraged Gold is used to purchase various upgrades at different vendors during a run Charon the boatman will sell different items to you for gold or you could upgrade temporary boons from the well of chair on that grants bonuses for a specific number of encounters or rooms a Daedalus hammer is used to upgrade your specific weapon for the run it typically changes the way the weapon works rather than just providing a simple upgrade to the damage for example the shield could upgrade the attack to deal 150% damage

That was all on Hades fitgirl repack free download PC game.Any questions related to this Hades fitgirl repack?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

Fitgirl

Last Year Fitgirl Repack

Leave a comment

Last Year Fitgirl Repack Free Download PC Game

Last Year 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 Last Year 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 Last Year 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 Last Year 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.

Last Year for Android and iOS?

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

Also Read:

How To download and Install Last Year

Now to download and Install Last Year 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 Last Year 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 Last Year Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.
Last Year Fitgirl RepackLast Year Fitgirl Repack

Last Year Fitgirl Repack

Last Year Game play game Walkthrough 2019

Now in this section of the article,I will give you a honest review .Also at the end of this article I will give you Last Year Game play game Walkthrough 2019,so without wasting any time let’s jump into the game play.

Last Year PC Download?

Yes Last Year Pc download is on computer.You can get this awesome game on your PC.

  1. Last Year PC is free to play.
  2. You can install last year PC on your computer.
  3. We will also show you how to play Last Year PC and we will also show you how to download and install Last Year on PC .
  4. This game is great to play.

I just don’t know what the response will be and that’s one of the first problems. that sits right now it last you the nightmare.So we’re gonna talk about it I’ll take my chances of being blacklisted by elastic games.But I’m let it be known he’ll ask the Last Year PC download last should nightmare anyone involved I’m on your side I want you I want you to be successful I want thousands of people playing your game.

Right now I want to see amazing content and a progression system and all these things that you’re talking about I want to see that happen but there are it’s there probably some problems right now okay the question is which we get every day multiple times.

Last Year IGG games

Last Year igg games is a great game to play.You can download Last Year from igg games.com .One of the best thing about this game is that it’s free to play.

  1. Last Year igg games is free to play.
  2. Last Year user friendly interface.
  3. Bugs are fixed in the latest version of Last Year.

Okay that’s pulling this out of my ass here we get asked all the time what’s going on last you the Last Year igg games. What’s going on nobody’s playing no where’s the content where’s the updates where why is nobody talking about it why is penny why suddenly in the game things like this okay get it all the time so we’re like fine well we’ll make a video we’ll discuss it.

But no I feel like I’m walking on eggshells I don’t like it yeah it’s yeah it’s kind of sad that we have to right off the bat he’s worried mm-hmm because that’s the vibe we get whenever there’s an interaction between staff and content creators and even staff and just players people there’s something very defensive about. I don’t know it’s just the communication team at elastic maybe it is maybe the team as a whole is really different, but like I feel like every time they just get defensive and act as like we’re wanting to hurt them and shit all over the game right a lot of people.

Last Year ocean of games

Last Year ocean of games is great fun to play.Now ocean of games also provide you this game if you are thinking how to download and Install Last Year ocean of games then you have to follow below listed steps.

  1. Click on the download at the top of the post.
  2. Last Year ocean of games is free to play.
  3. This game is the most popular game in 2019.

I mean it’s been six months since the launch of the game and there’s no progression system, no leveling system ,no content ,no nothing since January when we got patches maybe February .

Yeah we’ve got a few updates and they have helped they’ve made some really strong balance changes right but the fact is it’s May yeah there are three content updates scheduled for 2019 and every time somebody asks about it the way the response comes across is how dare you have any questions about what we’re doing ?how dare you ask about what we’re working on? it’s like you have yeah it’s always like you had nothing to worry about.You shouldn’t be worried because we’re doing just fine we’ll we’ll let you know when it’s ready like I hear you and it could be it can get redundant cuz there are a bunch of dickheads in that discord right and just in as a player base in general it happens a lot of launch holes that are just gonna be constantly riding.

Last Year Torrent Download

Now if you want to download Last Year torrent then all the game weather you want it from google drive or mega you have to click on the download button.

But thing is there are yeah for every one person there’s ten of us that actually care and want the game to be successful right and it’s like you need to realize that the bad cookies you know there’s some good cakes out there where it bad cookies were the good cakes. I don’t know how that I don’t think that analogy works very well but that’s my point.

Yeah we have three content updates and progression system and dedicated servers and console release and theme really release all scheduled for Last Year torrent download 2019  and anytime anybody asks about it it’ll be ready when it’s ready, no need to ask. Again yeah right you no need to ask again we’ve gone five months without Earth four months without an update on anything, it’s also it’s more concerning now it’d be one thing if you got some filming you know booming player base out there everything’s going smoothly .There are zero people playing and I don’t care what they say. I will fight them to death over this like I keep hearing people say there’s like 5,000 people or one right now hey this did it games doin fine Friday Saturday and Sunday.

 

Yeah during the peak time everybody’s talking about yep zero yet zero servers are open world wide world one believe me I’ll show you the screenshot I got it we went out of the u.s. East I think was a server we were connected to or just us in general north Erica yeah any any of it we went to world wide yeah world wide servers zero zero so either there’s five thousand Last Year repack download people playing in private matches or nobody’s playing the goddamn game and like it’s the latter it’s the latter.

Last Year Fitgirl Repack Download

Okay no one’s playing because they just got it died out so quickly you get is it boomed because you had you brought in people like shroud to play the game and it boomed it sold a lot of copies but like once you had nothing you the inability to play the game without having a full lobby is a huge problem Last Year fitgirl repack bad one that’s that I think that’s a really bad problem that should have been addressed day one day one we complained about it that should’ve been addressed like there were so many people that are like dude guys want to play with my friends we only have four of us why do I need to wait and pull in someone else like listen someone’s don’t have the friends all right we want to go in with there’s a couple buddies and play and that should be fine that should be okay to do that cuz right the lifespan of your game is gonna go down tremendously if you don’t remove that okay like Jesus let us start the game with what the small lobby that’s okay camera where I was going with that.

But yeah like no one’s playing but there were but they just stopped playing because there was nothing look forward to it does get old regard the game plays fine I think it’s a lot of fun there aren’t that many bugs.There are but it’s not that bad it’s a pretty clean game for what’s there the problem is it’s like a quarter of a game.

Last Year Release date

In December 2019 Last Year will be released and your investors pushed you to release the game that’s purely speculation but I imagine I’m right yeah I would think that discord gave him a little bit of a chunk of money but gave them a strong deadline right the kickstarter was in 2014 that money had to been gone months after the Kickstarter right so they’ve been going since 2014 to 2018 awning staff ping staffs growing getting a new building you look all the money they put into cons things like packs.

They didn’t have pink to play the game right you know they had to pay shroud there’s no goddamn way shrouds like you know what I’ve never not streamed an FPS game I’m gonna just do this randomly on a game that just came out no they bad toupee Stratton yeah so yeah we think it’s safe to assume again not confirmed that discord gave them a lot of money yeah to continue development it they didn’t disclose the fact that shroud was paid though legally you have to so shrug dude what did they got a buddy who had a mutual friend was shroud how did he play the game I don’t recall anyway I recall seeing him put hashtag add or anything in the title so either they like it wasn’t talked about and I paid him or some under the table shit or he actually somehow ended to play in the game.But dude there was like three massive streamers playing.

Last Year Fitgirl Repack

I was like how yeah yep streamers that don’t stream any any horde yeah yeah it didn’t make sense them so yeah so yeah December you launched with no progression system which stop right there the the the words that you use the words or the the discussion going on is we’re not we don’t have a a progression system at launch because we want to hear what you guys want it from a progression system yeah the in theory that sounds great but that doesn’t work could you imagine Call of Duty releasing a game with no leveling system right on day one it’s just you can’t you can’t and the thing is with that whole leveling system in general like you just how can we’re not game devs you want us to we’ll give you feedback and what you give us it’s really hard for us to go out if we want to make a fucking game we go make a goddamn game i give us something to look at and then feed off of and and if it’s a majority people don’t like something that’s when you tweak it and honestly the words that were said was oh it would it would take a lot of work to put in a Prussian system and change it later.

But that’s what you do yeah anything you then you work on it we may we may be content creators we may not be game developers but we’ve been in the the game video gaming industry this is the video gaming industry we’re in yeah we’ve been in it for now three years while coming up on three years known a lot of devs up to this point known a lot of devs had lots of talks with developers you got to do what you got to do that is extremely lazy if you said oh yeah we’re gonna we’re gonna see what you guys want because we’re not ready I can I think they I think they were just stuck on a deadline alright we can’t get it in time we can’t get it in time so put on the back burner and let’s get a costume game out so we don’t lose a bunch of money here and I feel like that’s what it was so yeah I mean it sounds dumb hearing it now it’s like why don’t you just put in the game in the first place I don’t understand like why do you don’t need us to you shouldn’t be the case you should already have creative ideas run with them so like that part’s a bit of a shame and again I hear you feedback is important.

I’m glad you’re willing to listen and be transparent but that was just probably not the best choice yep and it’s holding you back right now I look at the lack of players yes again the Last Year fitgirl repack is fun it does get old but when that’s what people want people casual players hardcore players they want something to work towards yeah even if it was just purely cosmetic which they have none by the way but they to this point they want they want something to work toward the competitive nature last I heard the Trophy cysts like the trophies.

That was all on Last Year fitgirl repack free download PC game.If you have any questions related to this awesome topic then feel free to ask down below in the comment section.Also you can like us on Facebook or any other social media so you never miss an update.

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

Fitgirl

Hello Neighbor Hide and Seek Fitgirl Repack

Leave a comment

Hello Neighbor Hide and Seek Fitgirl Repack Free Download PC Game

Hello Neighbor Hide and Seek 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 Hello Neighbor Hide and Seek 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 Hello Neighbor Hide and Seek 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 Hello Neighbor Hide and Seek 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.

Hello Neighbor Hide and Seek for Android and iOS?

Yes you can download Hello Neighbor Hide and Seek on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Hello Neighbor Hide and Seek

Now to download and Install Hello Neighbor Hide and Seek 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 Hello Neighbor Hide and Seek 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 Hello Neighbor Hide and Seek Download

Screenshots  (Tap To Enlarge)

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

Hello Neighbor Hide and Seek Game play and Walk Through

Now in this section of the tutorial we will talk about Hello Neighbor Hide and Seek Game play and Walk Through .This is the final version of this game.Today I will give you a honest review on this awesome game,so without wasting anytime let’s jump into the game.

This is Hello Neighbor Hide and Seek free download PC game .which is a prequel to the original bass game.Where you basically play as some guy that’s trying to be nosey and figure out what’s going on with his weird creepy secluded neighbor that’s all suspicious and that one you fight against the neighbor he creates traps and you try to hide from them and you try to use objects and everything like that.The concept of that one was actually neat but the game itself was absolutely horrible. I thought it was just a terrible effort and this is a similar sort of follow-up now the thing is there’s actually a pretty interesting little story kind of hidden in the background of this.

So you play through the the perspective of the Hello Neighbor Hide and Seek download and daughter the neighbor right, there as kids and a wife and yeah so these two play hide and seek and they kind of go to fantasy Hello Neighbor Hide and Seek system Requirements you’ll kind of see what I mean in a sec here there is only five levels and the content is actually incredibly light you’re just doing fetch Kip quests.Where you’re going and you’re picking up items and placing them and you’re not even really doing that for all of the levels I’d say there’s only really three real levels were you doing this and the first one is kind of like the main chunk of it and it kind of just drives you crazy.

So they take the Hello Neighbor Hide and Seek igg games from the last one – like the traps and stuff and they just have this obnoxious character following you around while you’re trying to collect items so if you jumped in here and you didn’t know how to play Hello Neighbor Hide and Seek the game and you didn’t play the first one. You’d be like well what am i doing because they don’t tell you the controls there’s no tutorial there’s no sense of understanding what you’re supposed to be doing so it’s just kind of random nonsense and you don’t even know what your objective is you’re.

Yeah it’s brought into this world and I guess there’s a sense of oh I get to go and discover what I’m doing but a lot of people are kind of like I want to have an idea what I’m supposed to be doing and you get none of that you just wander around aimlessly it’s on Xbox one X here and the performance is not great it’s also not an enhanced title like the first one was so a little bit less of an effort and yeah it’s kind of ,I want to say a little bit of piss poor effort and a lot of objects because it’s kind of like physics based kind of disappear or you lose track of them and you’re never able to find them and sometimes certain items kind of get glitched or you get stuck and it’s just a terrible time at least for my opinion while playing this so in this we’re trying to collect animals and put them in the basket but if you don’t get them properly in the basket.

They don’t count and yeah it’s just kind of nonsense absolute nonsense and then you’d walk around you’d be like well what am i doing and you would know and then this stupid little kid Hello Neighbor Hide and Seek ocean of games would come and get you you can go to the settings and turn off the intelligence you make it friendly and you can have hints on or off you can put a mixer counts for interactivity if you’d like to if the game wasn’t annoying enough as is and yeah it’s just sort of really weird and the hints don’t really you know tell you anything.They’ll give you an arrow but the hint will usually be incorrect and show you to the wrong place so it’s kind of useless to even have them. I do think the worlds are pretty neat-looking they’re very different type of aesthetic but it’s just a really boring horribly annoying an obnoxious Hello Neighbor Hide and Seek repack download.It creates time by basically forcing you to do the same repetitive tasks so as you’re collecting these like items on the ground he’ll actually take those items afterwards and he’ll go and we hide them if you like you know what catches you everything like that and then you don’t know where they are and then you have to go and find them and you go to the same spots over and over and over again and it kind of drives you Hello Neighbor Hide and Seek fitgirl repack download crazy .

Okay here we go so I kind of just got stuck here no no no no that’s good but you get the sense of that where it’s like it’s kind of a free-flowing world where you have those problems that the physics and everything like that and I don’t know I don’t really like those kind of games because it just feels like big pointless nonsense like I’ve just wasted time on this and you look you know look and be like what am i doing what is the point of this and just like a huge complete waste of time there we go I got one of the creatures oh damn it no come on get back here Rock Hello Neighbor Hide and Seek ova games.

Hello Neighbor Hide and Seek PC download

  • Hello Neighbor Hide and Seek will be released for PC on December 10.
  • This is the full game final version of this game.
  • It’s free to play.
  • You can also download this awesome game to your PC.
  • Apk for Android is also available.

Yes I use the rocks and then you’re kind of doing stuff like that and that level of like complexity to the actual movement is interesting you know in the sense that you’re you’re gathering stuff and you’re actually fixing things and that kind of made the first game interesting was the fact that you you know you’re actually trying to do something yeah there we go and then we see this clock move and that’s kind of our indicator of what’s happening but in the first game you actually had like a mission you had like goals and you did things in a day yeah you try to figure things out and this just seems like a lazy kind of spin off that they could use the name and kind of give a little different like concept to it and I just don’t like this I don’t find it very interesting and I find it kind of annoying.

I mean I don’t think it’s gonna be for everyone and it just drives me crazy playing this like I was sitting there and I’m trying and trying and trying to find this stuff and he’s constantly like just bothering me while trying to do stuff and it just like this annoying little salary’s close to you and then there’s a certain Hello Neighbor Hide and Seek skidrow reloaded point where it’s like I’ve been everywhere I’ve looked everywhere and I’ve been to all the spots where I originally collected stuff fins I’ve been every inch of this in us I still can’t you know progress .

I still can’t beat this as if it’s just annoying so like this this first level is like a bit of a safari in the second one you’re basically running around as kind of like a cops and robbers type situation and the third ones like fire people and then it kind of gets a little bit different from that point on yes he’s chasing me right now she’s relentless this guy well you get that sense of it where it’s like a bit of an imaginary type thing and they get these greater bigger than life kind of open areas that you can explore and interact with you still following me.

Hello Neighbor Hide and Seek fitgirl repack

There are some little areas where you get to actually interact with stuff and I’m gonna show that in a sec here but a lot of the time it’s just kind of like annoying little walking around and hoping you you stumble across something I guess maybe at one point you’ll be able to use guides to come in here and be like oh I know where that is and you know it takes two seconds but it’s for the most part it’s really goddamn annoying especially when you go to me hide stuff afterwards it drives you got to have crazy and they don’t know about other people but I don’t like to wander around in a room for an hour with Noah at like point as to like what I’m doing or why I’m doing it I mean there’s a little bit of it really kind of actually welcome story sitting there in the backdrop it’s just the Hello Neighbor Hide and Seek gameplay mechanics are absolutely horrible and boring I don’t find this interesting I’m just running around in circles.

From the stupid AI that’s following me and it’s supposed to be like a smart AI that like learns what you do and stuff to challenge you more Sonova but it really isn’t I mean it’s just a lock on following I eight does fetching in there there’s no like learning there’s no mechanics to it it’s just stupid this guy so you got to put boxes down on the little black mounds in order to get the thing oh great so yes he has taken the the stuffy and hit it not where I’d not know I do not know where to find it which is fantastic.

At least that one’s still in there any progressing really takes more and more of the stuff things and it just got it crazy crazy so right now I’m looking for rocks and then with the rocks I’ll be able to get to higher kind of elevations and unlock more calm on and it’s very floaty too it’s kind of like awkward to control it just it’s absolute madness playing this you know it’s just kind of like it’s not something.

I enjoy this type of thing and the first one drove me crazy because again I get it now one actually had a very interesting sort of concept to it you know like this there’s a mystery and everything like that and I guess this one sort of does but it just spells it out for you as the story progresses and it’s just like really light on Khan it feels like it’s light on content there’s quite a few hours if you like this type of game you know there’s actually like quite a few hours of gameplay here wandering around aimlessly looking for things and trying to figure stuff out cool and no that’s there it’s not for me though I don’t like this and I find it kind of just like obnoxious and sometimes it’s like where is this character at like you don’t see them for a while.

They’re just kind of like wandering around doing their own thing I guess I don’t know or they’re hiding your object I’d like to think it just seems kind of weird see. I mentioned that we take the boxes and we put them down there and then eventually we’ll be able to grab the creature from that mound area you know when it pops up it’s just it’s sort of a strange situation playing this.

Hello Neighbor Hide and Seek Torrent download

The and I guess it’s sort of dynamic as you wander around aimlessly looking for things and dealing with like it’s like Hello Neighbor Hide and Seek torrent download and weird bouts of performance problems and I’m just wondering why this one is not able to achieve achieve the same like sort of level of enhancements.

The first one was considering you know well I guess that one ran horribly on the 1x which was just sad so there’s not very good optimization but yeah it’s just like a wonder why they weren’t able to do so I mean it looks pretty good with its you know a different sort of artistic little cartoon style but I don’t think it’s anything too impressive yeah crap and then you can see how we’re slowly being able to jump higher and higher, because the placement of the rocks okay now we want to be able to do that one he’s just following me again like some maniacal monster can’t want to get this one going that I can get up to that place see that kind of stuff is cool.

I just like they sort of stripped down what made the first one interesting Twitter I like I hated the first one I thought it was just absolutely horrible but I had to admit that it did have some interesting concepts to it and this just feels like a streamlined stripped-down version of it just to kind of get like you know off the brand name recognition and everything like that kind of lazy we’re starting to fly quite a bit higher and then we’re able to reach new points and clicked new critters for the basket .See there’s a stuffy up there too I think we need one more rock and then we’ll really be rolling get it rock and rolling uh-huh .

Yeah I’ll coolly put down the stuffy finally that’s that’s great so I guess that’s another layer of it oh no never mind he didn’t it’s just the meat thing you have some of the objects don’t properly load in so you’ll think like something is a knob like something you need from far away but you’ll get close to and you’ll be like oh it’s nothing the reason we’re doing outer circle is cuz I need to get this bucket it’s [Music] actually get pretty high already that’s surprising yeah that’s not annoying at all I’ll actually do have all the rocks fantastic great I didn’t even think about that so yeah we found out the rocks that we need and then we’re gonna go over to the other high area and be able to do that I just want to show off enough of us see get an idea the actual mechanics here I thought he didn’t have that many but I was like oh I actually am jumping pretty high.

Oh I guess there’s not one in this this time you know okay well it’s a bit weird I think this is just annoying like you got to come up here and then you can’t see where it’s actually below you come on stupid I guess I could take a little bit of steam off of this thing in order to make it work better come it’s like dinner and just this annoying sound of this character Hello Neighbor Hide and Seek fitgirl repack pc download.Following you’re like I don’t like that style of game I just find it absolutely bull ring and this level is actually pretty hard on the ice so let go look at this for a while, I wasn’t playing it and then I’ll look off and it actually hurts quite a bit so you don’t maybe be careful.

Then also just a quick mention you can’t hold multiple items and sometimes you’ll get stuck like you are in this spot and then you’ll get saved by the bird and then you gotta wait yeah so kind of a neat set of characters and I’m really not sure why the context of the narrative in this drove the guy to act like he did in the next one well I guess maybe I don’t know it just seems a bit strange to paint the character in this like calm all I’m moving to the side and now he’s got that one and that will be in somewhere – fantastic yeah just a load of fun dealing with this game but yeah that’s basically a little neighbor wander round gets stalked by somebody and you just do that in a couple of different settings and pretty at times low detailed worlds. This one just got a little bit more to it but some of the later ones are a lot less fancy and style and knowing for it there will get rid of that in a sec well we jump up here are these stuffy’s and this egg and then the big bird will come up with itself.

This is why they put that on the ledge here that’s just so annoying to do stuff like that ah the game just doesn’t have the style to be properly set up for pinpoint accuracy on movement chugs along too much and then you’ll notice the clock is slowly moving I guess we don’t need the egg no we could have blocked the mound with it but whatever I don’t care and we get attacked by Ken by the tiger yay so exciting trying to do something getting bothered and again you could turn off the smart AI, but you know I guess a large point of the game is actually dealing with the AI so you’re sort of you know removing a core component of actually playing this by doing so but you can make it a little bit more tame if that is what you want to do yeah this gives you know a decent idea of what to expect in this and you get to see that repeated in about two more levels and then the one level is kind of like a little bit more creative than this one in terms of how its laid out and what you actually had to do in it within the last one it’s like a really short little sort of narrative type driven thing sequence which again it’s it’s got an interesting idea to it oh and you can shoot the kid with the gun and you want to see that stupid kid.

So that was all on Hello Neighbor Hide and Seek 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

Fitgirl

BONEWORKS Fitgirl Repack

Leave a comment

BONEWORKS Fitgirl Repack Free Download PC Game

BONEWORKS 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 BONEWORKS 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 BONEWORKS 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 BONEWORKS 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.

BONEWORKS for Android and iOS?

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

Also Read:

How To download and Install Everreach Project Eden

Now to download and Install BONEWORKS 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 BONEWORKS 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 BONEWORKS Download

Screenshots  (Tap To Enlarge)

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

 BONEWORKS gameplay and Walkthrough

BONEWORKS gameplay and Walkthrough is a great and to play for the over view of this awesome game let’s jump into it.

BONEWORKS Free Download PC Game

BONEWORKS free download PC game is under three weeks away December 10th that comes out so I’m gonna take a moment away from development to show Dee the latest I’m really excited yeah we got a near final build here like pretty much the near final guns like I say near final cuz I can’t stop tweaking things eventually stop so you can finish the game December 10th we’ll stop okay member 9th we’ll stop before we make the build exciting.

There aren’t many games that actually use the index controllers so it’s gonna be nice to actually have some data can actually yeah when valve was showed us these controllers they told us about it they’re like we’re doing virtual hands and we started looking at anything. We’re like man that means that we can have like all this like you know tactile input with the fingers you see everything you’re doing and we quickly realized like we don’t want everything to have a one-to-one relationship with your hands right so like when you’re holding a gun it can actually rotate and move in your head we don’t want it like we’ve been we’ve been rather secretive of the story I want to kind of keep in we want to let people kind of be surprised when it comes out but the general gist is that you’re playing as this guy named named Ford and essentially.

BONEWORKS Download PC game

BONEWORKS download PC game and you work for monoghan and monahons developing a virtual OS and one day the story picks up with you going into monogram OS and barricading a door and pretty much going into this this game for what seems to be the last time the last time that’s very ominous yep let’s leave it that oh and there’s been an addition.There’s a slow motion button oh yes you finally did it yeah yeah oh yeah please like give me a slow motion button we’re like I don’t know what circumstances like any circumstance Sophie got is slow motion fun it’s the a button on the Left controller.

BONEWORKS IGG Games

On the left guitar sick oh yeah that base crop and if you double tap it quarter speed and you plot triple tap it ace and it goes away when you let go hell yeah makes you so much easier they’re like why not just just toss a little max pain in there right so sick that’s so cool BONEWORKS igg games this is uh this is a high-level maneuver that would enough try as you might be able to do or maybe maybe you’ll get it right away reload kickflip just that’s your prompt that’s like your creative yes like your creative prompt reload kickflip do a kickflip reload okay we’ve been practicing at the office.

BONEWORKS ocean of games

BONEWORKS ocean of games and for the trailer a guy I gotta get this this this is so sad if I can’t get this gotta land one oh yeah it wasn’t clean it wasn’t clean it wasn’t clean but it almost work the fact that you can just do this in slow motion is so sick yeah oh shit hey Bret come back oh dude thanks bread he knows I love m16s hell yeah oh oh oh you know what just gonna do like I did it oh we’re doing in real life.

BONEWORKS Repack Download

Oh get over here BONEWORKS repack download and get over here can we die hell yeah yeah that was the first time it’s interesting seeing how everybody approaches different problems oh look at this guy yeah so these are the these are the null bodies these are the the lowest guys on the totem pole in the world of myth os they’re basically workers they pretty much sit completely dormant unless they’re activated they’re also the first enemy that you see in the game okay he doesn’t want to be inside of it.

BONEWORKS Fitgirl Repack Download

BONEWORKS fitgirl repack download and it’s like a bully sing there get inside of it come here come over here over yeah nope give me this arm come here freaking nerd get in here the Metal Gear Solid music ah get inside this son of bitch if you fold them up turn this harm did your badass inside this locker so this is something I don’t think people reveal unsee in VR like once once you’ve had the experience to be able to touch enemies and like a like a guy like a zombie or something gets up in your face and you can shove them back and then reload your gun and shoot him while he’s on the ground it’s like once you’ve done that that’s that’s the only way you know I have to touch enemies in the VR games.

BONEWORKS PC download

there we go I do not go in there no evidence all right let’s get the F out of here oh my god these little BONEWORKS pc download guys a hole they’re hunting these guys like I said you do not want to be the bottom of the totem pole here the poor the poor in all bodies they are they are the low class in this world .

BONEWORKS Torrent Download

Oh BONEWORKS torrent download wait oh so those are the Omni projectors they are basically scenting things from from monoghan and myth OS that are basically keeping the peace whoa in the distance you asked about the surrogate in the distance that tower that’s the clock tower that’s where that’s where your destination is in this game gotta come out of nowhere Araki little boys yeah top off yeah he’s a great oh Jesus has to kill a dog instead of a bitch many pieces okay good I want to see some videos from you and your channel after this d yeah this comes out I’m gonna do so many kickflip so you don’t even know I’m gonna have the best kickflip competition oh hell .

Yeah if you guys want to check out Dee’s channel its Cerberus arms on YouTube you can be doing a bunch of videos you got to learn how to play like D and then enter the kick foot challenge dude laser sight and foregrip oh man is great this is like an actual video game yeah so pretty much the gameplay of bombers is like it’s alternates between you know if you’re looting exploring learning about the story combat obviously what you can do melee you can guns fists whatever you need to do and pretty much anything you pick up like that can also be used as weapon like smash someone over to head with the ammo crate etc and then also puzzles of course so you’re pretty much is alternating between different sequences like that as you play through and try to get to the toilet what the heck is going on in this crazy world.

If I could just use the butter the sprite hold that right that is amazing starting 3 years ago, like we started meeting worlds we could look at them and we started getting interaction and now we’re really getting to the core of. You know touch those worlds right like one everything you have consistency we want you to look at something be like that looks heavy and pick it up it is heavy for these bricks coming from [Music] nice extent chance wash up the gun out of hand eyes good three thick feet just like these guys real clean nice hell yeah it looks it feels so much better doing slow-motion turn your both hands 90 degrees towards each other you can mitigate the recoil you pull at the same time you could we’re getting close to launch so let’s show let’s show a new enemy right this is a small sandbox scene very blank a BONEWORKS fitgirl so you can run like way more stuff so we sandbox mode is something we haven’t shown much of since.Like the very beginning or you can load up and pretty much as play to your heart’s content nice yes there’s guns in here for you d there’s various various all sorts of various weaponry some some Medieval Fair o or take it to ancient Japan oh the perfect swing .

Oh alright so those three buttons right there are good time hey hey stop stop hey stop you fuck you so these guys are a corruption within the system.

That was all on BONEWORKS fitgirl repack free download PC game.If you have any questions related to this awesome topic the ask down 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