Tag Archives: fit girl repacks

IDIOTIC (The Game)

Genres/Tags: Action, Shooter, First-person, 3D
Companies: Emanuel N.M, None lmao
Language: ENG
Original Size: 1.5 GB
Repack Size: 1.1 GB

IDIOTIC (The Game)

IDIOTIC (The Game) brings the game indeed closer to the real thing with abecedarian gameplay advances and a new season of invention across every mode.

Title IDIOTIC (The Game)
Languages RUS/ENG/MULTI18
Genres Action, Shooter, First-person, 3D
Platform PC/Windows
Publishers Emanuel N.M, None lmao
Game Size  1.1 GB
Repack By Fitgirl repacks
Screenshots  (Tap To Enlarge)

IDIOTIC (The Game)

REPACK FEATURES

IDIOTIC (The Game) Running the Game and avoiding missing saves

  • NOTE! This game works ONLY on Windows 10 x64, build 1709 or later. I also recommend you to install Windows Store, Xbox and Xbox Identity applications for crack to work. Also virtualization (Hyper-V Support) must be set off either in OS settings and/or in BIOS. If the setup won’t turn on Developer Mode on your OS, turn it on manually
  • Windows virtualization (Hyper-V Support) must be set off either in OS settings and/or in BIOS
  • Developer Mode must be turned on your OS. My installer tries to turn it on automatically, but if fails, make sure to turn it on manually
  • If you don’t uncheck the option in the installer, the crack will automatically apply after final files verification
  • If you unchecked the option, you must run the crack manually from the desktop icon
  • After the crack applied, run the game ONLY via “Halo Wars 2 (Play)” icon on your desktop
  • If the crack still doesn’t work – something is off with requirements listed above: Windows version, dev. mode, etc.
  • Upon the first launch the game will ask you for folder to keep saves in. For workaround solution to work you MUST select “Saves” folder inside game’s folder on the first launch
  • The solution (actually pretty simple bat-file) backs up your save files from “Saves” folder after each game session and then unpacks them on the next run. Thanks to Rogue for idea!
  • If after some time the game will tell you that there are no saves, close it, go to your game folder, and copy some “saves.DATE_TIME.backup” to “saves.7z”. Then run the game again, older working saves will be unpacked instead of the damaged ones
  • Make sure to clean .backup files in game folder, so they wouldn’t eat too much space
SYSTEM REQUIREMENTS

IDIOTIC (The Game) MINIMUM REQUIREMENTS

OS: 64-bit Windows 10
Processor (AMD): Athlon X4 880K @4GHz or Equivalent
Processor (Intel): Core i3-6100 @3.7GHz or Equivalent
Memory: 8 GB
Graphics card (AMD): Radeon HD 7850 or Equivalent
Graphics card (NVIDIA): GeForce GTX 660 or Equivalent
Online Connection Requirements: 512 KBPS or faster Internet connection
Hard-drive space: 50 GB

IDIOTIC (The Game) RECOMMENDED REQUIREMENTS

OS: 64-bit Windows 10
Processor (AMD): FX 8150 @3.6GHz or Equivalent
Processor (Intel): Core i5-3550 @3.40GHz or Equivalent
Memory: 8 GB
Graphics card (AMD): Radeon R9 270x or Equivalent
Graphics card (NVIDIA): GeForce GTX 670 or Equivalent
Online Connection Requirements: Broadband Connection
Hard-drive space: 50 GB

HOW TO INSTALL

HOW TO INSTALL ?

  • Download game from above link.
  • Extract the game using any of the extraction tools(7-zip Recommended)
  • Look for a file names Setup.exe
  • Run the Setup.exe file as Administrator.
  • Follow on screen instructions.
  • After installation is completed, launch the game from the desktop shortcut.
  • Enjoy the game.
REPACK TROUBLESHOOT

TROUBLESHOOT

Click here to know how to troubleshoot any issues with this game.

Broken Links? Report Broken links or corrupt game files here.

Also Read:

Fifa 22 Fitgirl repack

Joe Wander and the Enigmatic Adventures

Genres/Tags: Arcade, Jump and run, Third-person, 3D
Company: Frozen Pixel
Languages: RUS/ENG/MULTI19
Original Size: 9.2 GB
Repack Size: 4.1 GB

Joe Wander and the Enigmatic Adventures

Joe Wander and the Enigmatic Adventures brings the game indeed closer to the real thing with abecedarian gameplay advances and a new season of invention across every mode.

Title Joe Wander and the Enigmatic Adventures
Languages RUS/ENG/MULTI18
Genres Arcade, Jump and run, Third-person, 3D
Platform PC/Windows
Publishers Frozen Pixel
Game Size  4.1 GB
Repack By Fitgirl repacks
Screenshots  (Tap To Enlarge)

Joe Wander and the Enigmatic Adventures

REPACK FEATURES

Joe Wander and the Enigmatic Adventures Running the Game and avoiding missing saves

  • NOTE! This game works ONLY on Windows 10 x64, build 1709 or later. I also recommend you to install Windows Store, Xbox and Xbox Identity applications for crack to work. Also virtualization (Hyper-V Support) must be set off either in OS settings and/or in BIOS. If the setup won’t turn on Developer Mode on your OS, turn it on manually
  • Windows virtualization (Hyper-V Support) must be set off either in OS settings and/or in BIOS
  • Developer Mode must be turned on your OS. My installer tries to turn it on automatically, but if fails, make sure to turn it on manually
  • If you don’t uncheck the option in the installer, the crack will automatically apply after final files verification
  • If you unchecked the option, you must run the crack manually from the desktop icon
  • After the crack applied, run the game ONLY via “Halo Wars 2 (Play)” icon on your desktop
  • If the crack still doesn’t work – something is off with requirements listed above: Windows version, dev. mode, etc.
  • Upon the first launch the game will ask you for folder to keep saves in. For workaround solution to work you MUST select “Saves” folder inside game’s folder on the first launch
  • The solution (actually pretty simple bat-file) backs up your save files from “Saves” folder after each game session and then unpacks them on the next run. Thanks to Rogue for idea!
  • If after some time the game will tell you that there are no saves, close it, go to your game folder, and copy some “saves.DATE_TIME.backup” to “saves.7z”. Then run the game again, older working saves will be unpacked instead of the damaged ones
  • Make sure to clean .backup files in game folder, so they wouldn’t eat too much space
SYSTEM REQUIREMENTS

Joe Wander and the Enigmatic Adventures MINIMUM REQUIREMENTS

OS: 64-bit Windows 10
Processor (AMD): Athlon X4 880K @4GHz or Equivalent
Processor (Intel): Core i3-6100 @3.7GHz or Equivalent
Memory: 8 GB
Graphics card (AMD): Radeon HD 7850 or Equivalent
Graphics card (NVIDIA): GeForce GTX 660 or Equivalent
Online Connection Requirements: 512 KBPS or faster Internet connection
Hard-drive space: 50 GB

Joe Wander and the Enigmatic Adventures RECOMMENDED REQUIREMENTS

OS: 64-bit Windows 10
Processor (AMD): FX 8150 @3.6GHz or Equivalent
Processor (Intel): Core i5-3550 @3.40GHz or Equivalent
Memory: 8 GB
Graphics card (AMD): Radeon R9 270x or Equivalent
Graphics card (NVIDIA): GeForce GTX 670 or Equivalent
Online Connection Requirements: Broadband Connection
Hard-drive space: 50 GB

HOW TO INSTALL

HOW TO INSTALL ?

  • Download game from above link.
  • Extract the game using any of the extraction tools(7-zip Recommended)
  • Look for a file names Setup.exe
  • Run the Setup.exe file as Administrator.
  • Follow on screen instructions.
  • After installation is completed, launch the game from the desktop shortcut.
  • Enjoy the game.
REPACK TROUBLESHOOT

TROUBLESHOOT

Click here to know how to troubleshoot any issues with this game.

Broken Links? Report Broken links or corrupt game files here.

Also Read:

Fifa 22 Fitgirl repack

RC Rush Fitgirl Repack

Genres/Tags: Arcade, Racing, Third-person, 3D
Companies: Tea Monster Games, 4 Fun Studio
Language: ENG
Original Size: 3.2 GB
Repack Size: 2.1 GB

RC Rush Fitgirl Repack Download PC Game

RC Rush 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 RC Rush 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 RC Rush Fit girl repack is free to play the game. Yes you can get this game for free. Now there are different website from which you can download RC Rush 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.

RC Rush Fitgirl Repack for Android and iOS?

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

Also Read:

How To download and Install RC Rush Fitgirl Repack

Now to download and Install RC Rush 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 RC Rush on your PC. You can find the download button at the top of the post.
  2. Now the download page will open and start RC Rush Fitgirl downloading. There you have to log in. Once you login the download process will start automatically.
  3. If you are unable to download this game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download the RC Rush Fitgirl game on to your PC.
  4. Now if you want to watch the RC Rush Fitgirl game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING RC Rush Download

Screenshots  (Tap To Enlarge)

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

RC Rush Gameplay and Review

This paired with a turbo button is extremely useful, because a lot of games in the early RC Rush game download looking for a slower CPU, and the turbo button, you enable that, and it’s going to slow down your computer. What it does exactly is gonna vary depending on the computer you have, but generally, it slows things down. I’ve done an entire video about this in the past, so if you’re curious, you can check that out. As for the operating system, this thing runs MS-DOS 6.22, but I also have another RC Rush download card that I swap out with Windows 3.11 on there. But the thing is though, it doesn’t stop there! This computer is great for a lot of things, but there are games earlier and later and even around the same time that is way pickier and… this is just not going to work with it, or at least it won’t be ideal. I keep several early IBM PC compatibles hooked up for older games, like original IBM PCs with a 4.77 megahertz 8088 and some with an 8 megahertz, 286 CPU. These can be very valuable for early ’80s games, throughout around 1987 or so, and as far as sound, *Chuckles* there’s not much.

These just come with a PC speaker, or in the case of my IBM AT, and RC Rush igg games. Yes, just the original AdLib, which gives you that twangy FM synthesis sound. And it’s also worth noting that if you get many, many later cards that are compatible with the Sound Blaster standard, they’re gonna give you that AdLib FM synth sound, either in RC Rush ocean of games or something emulating it.

A slight step up from these is the 386 machines that I keep around, such as these computers that are around 16 to 25 megahertz, a 386 SX or DX. These are amazing for games that run too fast on even a mid-range 486, but are too slow on a 286 or 8088. Perfect for earlier VGA games and later EGA games, and I usually pair these kinds of things with a Sound Blaster 2.0 or equivalent. I also keep several machines set up with Windows 3.1 and 95 on there all the time. And these have anything from a 100 megahertz 486DX4 CPU, all the way up to a 233 megahertz Pentium MMX. Usually with SVGA, a Sound Blaster 16, or one of those clones from the time period. And finally for later ’90s Windows gaming, I largely stick to Windows 98 Second Edition and Windows XP machines. something with around an 800 megahertz Pentium III, on up to a 2.4 gigahertz Pentium 4, depending on what I need. Voodoo graphics are what I stick to for these for the most part, since the supplied 3DFX Glide mode, which is an incredibly popular thing, is different than Direct3D and OpenGL, so that’s worth keeping in mind. And some of the later ones I’ll stick a RC Rush torrent or an 8800 Ultra in there. And as far as displays, uh, I typically recommend going with a CRT if at all possible. It takes up a lot of space, but the result is fantastic in terms of reproduction of what the games are originally supposed to look like. And while I do still use certain older RC Rush fitgirl repack every so often, it’s only if they’re the right aspect ratio and don’t do weird things with the scaling because sometimes you can end up with stuff that looks blurred or the pixels aren’t the correct size. You don’t always have square pixels in these older games.

And typically, as far as sound cards go, you do want something a little better than Sound Blaster 16 for Windows 98 Second Edition or Windows XP. Something like the Aureal Vortex 2, which provides RC Rush PC download, a fantastic early 3D standard. I use that in a couple of my machines. And yes, Windows 98 is still built on top of MS-DOS, so things run quite well in DOS mode for the most part, but you do wanna watch out for compatibility issues in terms of graphics, sound, and CPU speed. And I’m not really gonna talk about Windows XP, since it doesn’t really have a proper DOS mode, and that’s getting into DOSBox territory, and you can start moving onto emulation and virtual machines anyway. With all that being said, though, there are so many other points of view on these kinds of topics.

So, without further ado, let’s get to our guests in no particular order, and we’re gonna start with Nostalgia RC Rush game download, my name is Nostalgia Nerd, and when it comes to DOS gaming, *this* is all I need.

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

MMORPG Tycoon 2 Download PC game

MMORPG Tycoon 2 Fitgirl Repack Free Download PC Game

MMORPG Tycoon 2 Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install MMORPG Tycoon 2 Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download MMORPG Tycoon 2 Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download MMORPG Tycoon 2 igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

MMORPG Tycoon 2 for Android and iOS?

Yes you can download MMORPG Tycoon 2 on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install MMORPG Tycoon 2

Now to download and Install MMORPG Tycoon 2 for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download MMORPG Tycoon 2 on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING MMORPG Tycoon 2 Download

Screenshots  (Tap To Enlarge)

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

MMORPG Tycoon 2 Review ,Walkthrough and Gameplay

Green’s fellow MMORPG Tycoon 2 igg games this is the gamer guy in a suit from the echo army MMORPG Tycoon 2 game download channel .Today i will be bringing you a five minute review of the new management sim game tycoon 2 game tycoon 2 was brought to us by developer sunlight games who also brought us game MMORPG Tycoon 2 fitgirl repack and gold rush, publisher kiss.Now this publisher may be familiar to you if you have like i don’t know any game on steam they do tons of games on Steam including some pretty good ones like bedlam lifeless planet fist of Jesus unrest also the aforementioned gold rush in game tycoon.So you may be familiar with this particular group but unfortunately today I have some bad news.

They have brought to us a game which just really cannot be recommended in its state I’m not quite sure what to make of this one yet we’re just going to right off the bat on I’ll let you know we’re going to grade this one out as incomplete completely this thing is in the absolute most early early of access I guess frankly that I can’t recommend anybody spending ten dollars on it I don’t understand .What the angle is there is maybe to fund the game more or something but I couldn’t even hardly get five minutes of game footage to make this review.There’s that little MMORPG Tycoon 2 download there right now you cannot even publish a game at all you cannot complete the tutorial at all you can get through the first part maybe.That’s if you’re really good at following some really really broken English which is understandable .

But it’s not hard these days to find yourself an editor or a translator online it needs some work it needs a lot of work really quite frankly.I have found games in green light that seem like they’re a lot further along and more polished than this but the good thing is is this developer and publisher .Do have a very solid reputation of turning out some pretty fun games.I think once this gets the attention that it really needs and maybe further along down the road once it gets its updates maybe this would actually be a really fun game to play because the mechanics might be there you can hire some developers in the state’s two games .

Right now it’s one of the very very very very very few things you can do but you can’t really see their effect on things they have different ratings in different categories so that you know that there’s differences between them and whatnot.You you get whatever where they’re going with it but you can’t publish a game you can’t see anything you can’t see their effect on the progress or anything you just kind of walk through which basically seems like a tech demo there’s not even a whole demo demo here .It’s did you open up the map there’s only two places you can go to even though there’s several but light up the art style is very very pretty I do like the art it’s it’s good-looking .

The music is actually pretty funky I like it it’s got that nice little retro comfy feel to it if you know what I mean but there’s there’s not enough gameplay here there’s really nothing here I’m really really really really shocked and surprised to see this .Going for what it’s going for now I can see this being a ten-dollar game once it’s fleshed out and released absolutely when you have ten dollars of gameplay there which it looks like this may end up having sure but in its current state even to support this game I couldn’t see asking people much more to maybe two three dollars in its early access state because it’s I you can’t even get to a point to see if it’s buggy or not I couldn’t tell you if there’s any bugs in the game except for the fact that it’s gonna be extremely hard the tutorial is only in German audibly.

The subtitles which are very handy the English is extremely broken it’s kind of very very confusing and hard to follow.But do keep an eye out for a great scene if you play this that actually tells you the bad the downside to releasing it came it fits into early of alpha or beta that you and release it .If it’s in early alpha but not to because you should release a complete game which was you know do with it what you will however anyways we’ll come back to this one later alright I hope you’ll join us when we do .

The Co-insurance Clause

The Co-insurance Clause
The Co-insurance Clause

Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)

The Co-insurance Clause
The Co-insurance Clause
The court evidently construed the clause as a binding agreement on the part of the insured to secure insurance up to a certain percentage of value, and virtually held that if the insured himself desired to take the place of another insurance company he was at liberty to do so as one way of fulfilling his agreement.

The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.

Angeldust Fitgirl Repack Free Download PC Game

Angeldust Fitgirl Repack Free Download PC Game

Angeldust 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 Angeldust 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 Angeldust 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 Angeldust 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.

Angeldust for Android and iOS?

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

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How To download and Install Angeldust

Now to download and Install Angeldust 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 Angeldust 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 Angeldust Download

Screenshots  (Tap To Enlarge)

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Angeldust Review ,Walkthrough and Gameplay

I’m gonna give you my live first impression of Angeldust download PC game, now I’m actually played this game for 64 minutes already because I tried to do a true like you know first impression first impression but the game was a little bit vague and awkward and that’s definitely gonna knock down a star or like a rating for me and I’ve already seen that knock it down for a lot of other people it’s sitting on mixed reviews right now but I’m coming at you right now and saying that Angeldust igg games give it of recommend.Okay I’m gonna upload this my personal channel I’m having a lot of fun with this game I think this is I think this is a pretty cool game I don’t even stream it like I genuinely think this is a charming game it’s got a lot going for it it’s just like you don’t really like.

When you start the game it’s kind of hard to tell what to do where to go and there’s just a lot of really vague things that need to be elucidated to the player base of what you’ve let your players know what this kind of game Angeldust torrent, let them give them at least a push in a direction I mean it’s a it’s a completely open world that has crafting and creation and it’s charming with its art style and it has I think this is a really awesome sort of foundation to build upon like in the future we could have some really cool updates but right. Now there’s just there’s no explanation on what to do really so you get okay first of all you can build a loan and apparently like you can download other people’s things or at least look at it online I don’t even know they’re on the website you could see other people’s designs and stuff Angeldust fitgirl repack.

So you can build houses and that’s kind of like what you’re gonna do in angel dust I’m gonna build houses they can actually play alone and do that or young you play multiplayer and you have a couple of different classes to choose from okay you’ve got the night he’s melee he’s a little bit tank year you got the mage she has a lobbed ability and she hits people with her little lightning stick you got this guy and he builds things but everybody builds things and then you have this chick who I think she like she can kind of glide a little bit and she has a crossbow and stuff and yeah so the game he’s gonna be really weird-looking I think this is a really cool art style to set this coming for somebody who loves don’t starve her and minecraft fitgirl repack and all these other games that are you know in the same genre and they all have really weird art styles angel this is one of the most unique if not the most unique compared to don’t starve so mixes and blends 3d graphics and voxel actual mechanics with the 2d like art here so it might be awkward and harsh to you.

But I think it’s charming so I’m gonna play her chick this guy this person I’m not assuming no gender anyways and then we spawn whenever you spawn into the game you spawn next to your house plot and here’s your house plot now you can actually increase the height of the plot but not the width okay and okay so I had a friend over here that we were playing together with and it looks like she went ahead and made her house I think this looks awesome this looks really cool now as you can see there’s different kinds of blocks that you can utilize and instead of like Minecraft where you go out and harvest these kind of materials like cut down logs and stuff well cut down trees to make logs you don’t do that in this game I want to make that very clear however I didn’t realize that until an hour into the Angeldust gameplay.

You don’t just go out and cut down trees um what you do is as you go out into the world explore earn points you’re in some coinage you know what I’m saying and then you use that to buy stuff in the shop and when you buy like the steel shelves when you buy that you’re buying like an infinite amount of those blocks so that’s kind of good that makes the game really casual really simple you can do whatever you want and get whatever you want the problem with that is that there is no in-game economy so there’s nothing you like those MMO servers on Angeldust pc download whenever you have to buy a cobble stone and then you know ordered like you mind cobblestone and then you sell it to somebody because they want to build a castle or something and you get a bunch of uh you know like Angeldust skidrow you need to let some lamps or some redstone so you can make some mechanics and devices no no in this game you just kind of go out and kill shit and then you go and you build up your house.

So I don’t know I’m trying to make a steampunk tower so I guess we’re gonna go wander out and you know try to kill some thing so we get some coinage and then purchase the steampunk items now one thing I want to mention is that the town back there is not a square it is what.

I think it’s infinite it goes left and right so it’s just infinite it goes left and right and then so you what you want to do is kind of just go just go straight just kind of go straight or at a diagonal and that and just just keep going and then you’re gonna discover stuff so that’s pretty cool that’s actually I mean that’s a fine design also if you guys are wondering .

 

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