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Fight of Animals Download PC game

Fight of Animals Fitgirl Repack Free Download PC Game

Fight of Animals 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 Fight of Animals 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 Fight of Animals 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 Fight of Animals 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.

Fight of Animals for Android and iOS?

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

Also Read:

How To download and Install Fight of Animals

Now to download and Install Fight of Animals 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 Fight of Animals 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 Everreach Project Eden Download

Screenshots  (Tap To Enlarge)

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

Fight of Animals Game Review ,Walkthrough and Gameplay

Welcome to Fight of Animals game download, the first rule of Fight of Animals igg games is that it’s like it’s not like Pokemon except you know that Fight of Animals ocean of games, these chicken ,this chickens forget old Pete look how big this chicken is oh oh my god I love the physics get out of here chicken you know you came to the wrong neighborhood we can swab or whatever this thing is a flamingo right it’s flamingo.

Okay what more all crabs are Leopard this thing’s wow man oh my god okay this is a lot less noise than I first imagined hopefully I get it like more moves later Fight of Animals fitgirl repack.Okay that was weird I need to mix animals I got a fox and a flamingo what does that make oh they’re gonna fusion like it like in Dragon Vaughn no they just they just do it the Fight of Animals torrent download, Way yeah let me go Fight of Animals free download PC game.

Oh god no I don’t ,I don’t know what I was expecting Jesus that looks so uncomfortable it looks like it wants to die oh the Fox it looks so much cooler this would be like a lot better it’s just like a simulator like totally bet I could battle simulator because honestly the only get real gameplay is just like pressing space just press attack now can i order some animals did Dan woah an owl what you kidding me this is Rick – why’d it get two barn owls in a row if a snake what the sound an army of ducks you guys know that like now what question would you rather fight a RV sighs ducks or something did I yeah all right well let’s just mix them.

I just want to see what they look like I don’t even care if they’re stronger or not snake in an owl wait isn’t this like a Griffin I think it’s a Griffin why why why not keep the wings this is like the worst combination ever a stakeout without wings that’s terrible I’m so bad it doesn’t just get wings on the fourth day challenger, appeared with non-standard animals.So when else knew the secret of the machine no no that’s the only reason I’ve been winning what is this a chicken a D chicken a DJ a deer chicken oh these fusions are so bad it’s just literally just ahead on to another head that’s that’s all fusion is in this game oh I died Oh No Wow okay it’s a bit too shot wonder if I could just like form the smaller waves 4sp.

Fight of Animals download, so you can’t just from the smaller levels a whole baby it’s an eagle or a condor is that type of ego okay it’s just it’s just gonna be another lame one my expectations are like destroyed I thought mixing animals would be cooler it’s just it’s just the owl head on the ego that’s all it is in this freaking game oh no way I should get a Panther sick I wanna I want to find the perfect animal to mix it with oh hey I gotta use the tiger what ,oh I actually got Tara dawn turning the dawn sick.

That was all on Fight of Animals download PC game if you have any questions 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

Door In The Woods Fitgirl Repack Download

Door In The Woods Fitgirl Repack Free Download PC Game

Door In The Woods 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 Door In The Woods 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 Everreach Door In The Woods Fit girl repacks is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Door In The Woods 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.

Door In The Woods for Android and iOS?

Yes you can download Door In The Woods on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Door In The Woods

Now to download and Install Door In The Woods 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 Door In The Woods 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 Door In The Woods Download

Screenshots  (Tap To Enlarge)

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

Door In The Woods Review ,Walkthrough and Gameplay

Hello and welcome to Door In The Woods download, this is a horror roguelike being developed by Tita below to be able for free over on its Door In The Woods igg games. I thought we should take a look at this one it’s got a very interesting interesting ASCII style to it basically the idea here is we don’t know what’s going on there’s no help menu there is not much here so let’s figure it out on our own but basically we’re just sort of lost in this town and I guess the best thing I can compare it to be like Cataclysm talk days ahead without the crafting we’re just sort of lost in the woods where this guy very interesting style .I like it what’s the word parallax is that the word looking for here anyway we’re on a road here there is apparently a zombie up ahead I got health stamina sanity and some strength I can move I’m satiated. I have some clothes on my back and I have a book called Dora the woods .I don’t clip it I guess to use it as a weapon I can ride in it.

I guess I can throw it on the ground all the pages are torn out or otherwise unreadable.Yeah right throw it on the ground Door In The Woods ocean of games. let’s head this way and avoid the zombie as far as I then it’s just basically a survival game we’re just revived here lost in the woods I’m leaving the music right because it’s freaking me out and I think it should be it’s a big part of the game. There’s no sounds in the game there’s just just this doors locked, let’s mash it open create a bit of noise walk in this house and see we can find anything somebody is apparently making a lot of noise over there.So he’s making a lot on the ways over there we have a rag on the ground we’ll go ahead and pick that up we can make badges out of it we’re all going to make a bandage take it some time.

Here nothing’s coming in okay we got bandages.Now okay anything over this way what are you human filth I know let’s not step in that do you like uh let’s go back this way there’s a zombie on the other side so let’s go peek out this window here anybody yeah there’s a zombie right there so let’s go back out how we come in here we came in came in that way the left side let’s go this way I guess anybody anybody nope okay let’s um let’s cross the road a zombie went what is that is it a dog dog any lone dog dog I don’t have anything to deal with you, so I’m gonna go this way all right way from the dog let’s hope this is civilization this way so of course with lots of gear and things oh there’s a zombie right there in the bushes zombies in the bushes okay let’s let’s take the road where’s the town there’s not a map is there.Door In The Woods torrent download, I’ve pushed buttons the only thing I know of what we have is what a Google can smell me why let’s go this way we’re now hidden we can’t see anything though we’re hoping for a house we can go back up we know there’s a town to the north let’s try to lose this girl .

I think I can’t go diagonal so we have to craft you know craftily lose this ghoul how about this way you can apparently smell me let’s go this way and head down here yeah this is great now we’re in the woods lost all alone we’re just a simple Door In The Woods pc download on a walk to Grandma’s house we got human filth on our shoes towns up here let’s go visit town I’m sure something friendly in town not that way let’s go I think if through here let’s cut through here if we can like I’m stuck okay let’s go go that way let’s go back here okay let’s see we can do can I do we think with these with these bushes stamens running a little bit low it’s for my vision yeah can we rest space bar rests I can just hold it down and rest well hide out these bushes right here my stamina get back up try the old usual robot keys nothing does anything Door In The Woods skidrow and the numpad .I’m hungry oh yeah that’s right I gotta eat it’s getting dark okay so a very creative style of ASCII with us I like it I am a I’m typically a fan of Door In The Woods free games just because it kind of especially with music along with it this is still in development so it’s certainly not all there but yeah free over I said I oh this is the house we were at before isn’t it we just came back there’s that zombie leave me alone and there’s lots of blood on that wall over there we’re not going in that house but we gotta get some food before long there’s something there in that bloody house did he go in the bloody house mrs. AMI.

I look over here is that that’s corner wall I think it can bash walls but what is gonna go in this door here take a peek anything what are you I can’t look at things unless I get up to it I guess it’s like a pile of debris alcohol sure um I can make a Molotov a with what fire drink it to kill part of yourself particular you despise um I mean it seems like a time for it I’m no drunk okay okay seem to be responding to all my moves so it’s okay Hugh and Phil no we don’t want that I’m trying to cut back okay it’s dark I can’t see anything the music’s getting scary it’s going the garage here it’s gotta be some food in here it’s not making all the noise I cannot see anything there’s gonna be terrible things up ahead a sawed-off shotgun on my feet I’ll take that yes now now it’s Stormin.

Okay thank you lightning forgive me a little bit of site where we have here a matchstick that will take that it seems like I think I have I don’t want to ignite my my shotgun what are you alcohol drink the night away let’s go ahead and pick that up I suppose I put it no no no Door In The Woods repack that I do you want the shotgun in hand makes me look a little more menacing I believe this house is secure do it again I just freaking me out I don’t play a lot of horror games on the channel and there’s a reason for it okay um I’m gonna go find a room that has an exit which is gonna be this one over here I’m just a hold spacebar for a long time.

I’m gonna go by the door people and smell me let’s go over here by the door by that door just rest for a long time one o’clock in the morning we’re gonna wait until dawn before we go back out we’re hungry we’re very hungry Damon’s going down I gotta eat I’m supposed to eat all right we got to go out we got to risk it gonna be food around here somewhere is there berries out oh boy maybe there’s berries around somewhere I can’t see anything oh oh oh some sort of scary worm in there what is that I don’t go back and look I’ll call didn’t give me any stamina did it let’s drink I can’t what kind of drink what is that I’m so purple slime or something there’s something right there I wanted to what is it I don’t know looks like it’s getting a little bit brighter outside I don’t know why it’s 3:00 in the morning there is a what X a something, doesn’t seem to be moving a brick um yeah Equipe that that seems like something we want to throw it things it is certainly getting brighter I’m gonna void I don’t know that is it’s the blood of something kitchen knife well I think it’s even better let’s just pick that one up overuse that maybe I’m not sure which does better kitchen knife or a brick come on food I shuffle I don’t we need a shovel I’m start.

I know why you know you are let’s go this way it’s right over here there’s got to be berries around here somewhere somebody’s gotta have food what are you stale bread oh it’s a miracle eat that bread no we’re all better now okay health is not looking good can I use a bandage no I’m not bleeding so I can’t use a bandage can I drink no okay so we got nothing in our hands let’s go ahead and put the what’s better damage 100 brick does damage Door In The Woods fitgirl repack we’re gonna use the kitchen knife we’ll throw the brick if we need to I’m not feeling the greatest so maybe we can find some meds around here it would be nice in back in this room or back up here nope what about something yeah metal pipe which is damaged 75 put a shotgun shell inside and I hope it doesn’t explode in your face hmm okay go for an improvised shotgun weenie vent okay they cross the street here at fitgirl Door In The Woods. time for breakfast let’s go walk this way seems like a peaceful day I see I can see that the Door In The Woods fitgirl repack and the tree it’s very cool very creative yes wooden board no thanks wooden board can I do anything with you I can barricade doors reinforced things uh-huh well like so next time next time I decide to camp out for the night I’m gonna use my boards I don’t know if I have enough strength to carry all this stuff.

I do have a strength meter I don’t know how to tell if I’m overburden it on is something it’ll tell me there’s nothing on my head so I gotta find a hat some kinds seems like a peaceful apocalypse so far though guys no never mind there’s a zombie over there other than the scary purple worm thing and the blood on the walls instant soup I will take that pick that up don’t you water for that metal pipe no thanks anything else I can do no weapon I just have just used for sawed-off shotguns so he’s making a lot of noise over there matchstick yeah I’ll take another one I don’t equip it no you know Door In The Woods fitgirl repack and put the knife in my hands with the knife go get your knife okay so he’s making a lot of racket down there there’s a zombie over there let’s goes up north here yeah we found the zombies that was what is that a cannibal Oh mm-hmm cannibals are bad that’s what I did a bit of a test here I’m playing around with us for a little while and first game I died thanks to a cannibal he shot me cannibals have guns by the way let’s go check out the whatever this place is the warehouse is on me if there’s a zombie up there – lets go Cruz let’s just sneak can we sneak we could try killing a zombie we have a shotgun it’s no zombie over to our side.

Nothing to see here zombie can’t walk the trees he’s gonna continue on a so I’m gonna go cruising into this little building here you alright with that I’m gonna make a ruckus if it’s locking yeah let’s pass some time you just hit me coming back no nobody noise Oh a hat there we go is just like a church chemicals which we use help you if you feel something moving inside of you hmm I mean I guess we’ll take it you never know when you’re gonna have things inside of you human filth and uh thanks uh Dombey and looks like a dog okay zombie prepare to meet my sawed-off shotgun oh good we get him you don’t did he’s not dead okay so I’m not a model out of bolts zero of to I guess we get the knife back out equip the knife and dogs come in go behind the Pew I think this is a church I guess I don’t know what it is mr. zombie coming in the other side is there it’s gonna be okay,

That was all on Door In The Woods fitgirl repack free download PC game,if you have any question 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

OMON Girl Bottle Royal Fitgirl Repack

OMON Girl Bottle Royal Fitgirl Repack Free Download PC Game

OMON Girl Bottle Royal 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 OMON Girl Bottle Royal 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 OMON Girl Bottle Royal 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 OMON Girl Bottle Royal 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.

OMON Girl Bottle Royal for Android and iOS?

Yes you can download OMON Girl Bottle Royal on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install OMON Girl Bottle Royal

Now to download and Install OMON Girl Bottle Royal 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 OMON Girl Bottle Royal 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 OMON Girl Bottle Royal Download

Screenshots  (Tap To Enlarge)

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

OMON Girl Bottle Royal Review ,Walkthrough and Gameplay

I left for two seconds and now you’re reading my diary. I wanted to get to know you, yeah right if you wanted to get to know me you could have just asked me anything ah but what’s the fun in that I know your biggest secrets.Now wait but are you actually a maid Shh keep quiet there’s literally nobody here, I just don’t want anyone to overhear I don’t want anyone to know my secret you don’t want anyone to know that you’re OMON Girl Bottle Royal igg games maid no don’t worry I can keep your secret I’m really good with keeping secrets yeah please don’t tell anyone your secret is safe with me okay imagine.

If the whole school found out that you were made that would be really awful hey I’m just gonna head to bed I’m really tired okay good night good night Wow that alarm sure is loud sure is hey you want to go get some breakfast. I can’t sorry I have to work wait you work in the mornings yeah well all right then I’ll see you later good luck with your new maid job love you see OMON Girl Bottle Royal download all right.

I should get ray OMON Girl Bottle Royal ocean of games, you actually made it I bet your uniform ready right the uniform I’m ready all the students should be heading to breakfast right now so make sure to clean their apartments. Before they get back okay yes miss pretty awesome so you’re gonna get started with room number 200 200 got it this must be the one hello housekeeping [Music] she’s right there really are no students in their rooms in the morning so where do I start go come on like hurry up. I want to go get breakfast you guys are like way too slow also you’re like saying the kitchen on fire your girls know I don’t know how to cook you guys think OMON Girl Bottle Royal fitgirl repack is gonna be eating breakfast today oh you’re talking about him again.

I mean why wouldn’t she he’s like the cutest guy but he’s like not interested I’m thinking about confessing my love to him today that’s why I want to know if he’s gonna be in the cafeteria you’re so gonna get rejected nuts am too can we just stop talking about him for a day I know right fine let’s go eat breakfast already finally let’s like go do you girls think my outfit is cute enough to impress him it’s not gonna work oh you girls don’t know anything blah blah blah they’re gone that was close. OMON Girl Bottle Royal pc download I guess.

I better start cleaning the kitchen [Music] hopefully nobody ever finds out my secret this place is all cleaned up time for the next one housekeeping oh I am really trying my best to clean up all of these apartments before the students come backOMON Girl Bottle Royal repack download just a few more left oh it’s all ready for this to be over huh what a surprise you didn’t know you were the new maid I prefer to eat alone I can’t believe you came to see me.

Yeah right look if you’re gonna confess your love to me I’m not interested don’t forget to clean the bathroom I’m gonna try to finish this apartment really quick huh the entire place is cleaned I can leave now what are you still doing here I wanted to make sure you clean my whole place don’t you have somewhere to be huh well come see me again soon right OMON Girl Bottle Royal download.

That was all on OMON Girl Bottle Royal fitgirl repack free download PC game,If you have any questions then comment down below in the comment section.Do you like this game?If yes then comment down below in the comment section with yes.

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

Bloom Fitgirl Repack Free Download PC Game

Bloom Fitgirl Repack Free Download PC Game

Bloom 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 Bloom 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 Bloom 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 Bloom 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.

Bloom for Android and iOS?

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

Also Read:

How To download and Install Bloom

Now to download and Install Bloom 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 Bloom 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 Bloom Download

Screenshots  (Tap To Enlarge)

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

Bloom Review ,Walkthrough and Gameplay

Today we’re gonna be taking a look at another roll in right game this time we’re making Bloom free download PC game in this one each player has their own sheet of paper in front of them we’re going to roll dice then you’ll take one on your turn and circle in some flowers create a bouquet of flowers in order to make your customers happy and you want to complete the right things on your board and avoid unhappy customer points because those will cost you at the end of the game let’s go ahead and take a look at it’s very simple design will come on back after that I’ll tell you.

Bloom ocean of games, what I think of it in the game each player is going to get one of these sheets and they have a few different ones which are just different arrangements of the flowers and then we’re going to be using all six of these dice in the game.In order to score the most victory points and you’re going to be rolling the dice taking them and then marking off flowers making bouquets in order to score victory points this is broken down into many different colors as well as these flower beds these sections that you’re also trying to completely fill ,so everyone has one of these I’ll be using my pen here and so each turn begins like this.Let’s say I’m the start player I’m gonna roll all the dice there and then I’m going to take one and utilize it and then the next player will take one and utilize it and so on around the table ,so everyone has taken one or two dice in a two-player game then the next player will be the start player takes them all rolls them and we keep going until someone has marked three colors in the this section up here.

So you’ve completed three of the colors meaning mark them all off or you’ve completed four garden beds four of these and completed them in you know, so alright I’m gonna go ahead and start and I’m gonna take let’s say this die here and I’m going to make a bouquet with four of the purple flowers such as right here so I would do this like so and that’s done and then the next player would go they might take that the next player the final player takes that and then it’s the next players turn over here. They’ll roll they’ll take one and so on until it comes back around to me in which there will be two left and I’ll take one of those two I might take let’s say this one and I’m going to do this flower right here by itself.

Then it’s the next players go and so on, you’ll have a few flowers in here that are white they can be any color so for example if four yellow would allow me to write in these four and counting this one as yellow it could be any color I want it to be and then the transparent dye or the the white die if you want is any color on here I want it to be so if I take a four in that die it could be these four orange it could be these four blue whatever I want you have one re-roll in the game that you may use whenever you want to whenever it’s your turn you’re about to take dice you don’t like the dice you can Bloom fitgirl repack.

Them one time if you don’t use it you get a point at the end of the game and also you’re gonna score unhappy customer points if you do one of two things if you have to circle in flowers that are not the matching color you’ll get one unhappy customer point for every flower that’s wrong or if you circle in fewer than the die so for example much later on this is mostly filled in I take let’s say a four yellow and this these three are available, but not this one and everything else is you know already enclosed I could take the three yellow here and get one unhappy point right there I’ll just put a little tick mark right there to let me know so let’s say later on in the game I complete all of the purple ones and so you know I’ve already got this.

I’ve already got these and then when it’s my turn I roll and I get a let’s say six in purple I’ve got a six in purple I want to take that I’m going to use these four purple I’m gonna use that white one for a five and then I also I’m gonna also enclose that pink one there so I do that and I do i enclose your likes, so I’m gonna take one unhappy point for the pink one because I it’s a wrong color of course but I’ve also completed all the purple Bloom download if I’m the first one to do so I’m gonna get six victory points and then let’s say somebody else gets the yellow ones I will not get the six points for the yellow ones but I could still get the four points or possibly the two points and also if I complete a flowerbed meaning the entirety of one of these and this is not necessarily head-to-head so let’s say I’ve completed all of this I’m also going to get these points here the three victory points and the next flower bed.

That was all on Bloom free download PC game,if you have any questions 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