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UPCOMING REPACKS

Upcoming repacks

⇢ Godlike Burger, v1.0.7
⇢ Ebola 3
⇢ Northgard: Hrasvelg, Clan of the Eagle
⇢ Absolute Tactics: Daughters of Mercy
⇢ Splatoon 3 (Switch)
⇢ More Switch/PS3 Games…

Latest Repacks
    • TEKKEN 8
    • CYBERPUNK 2077
    • God of War Ragnarök
    • Stray
    • GTA V
    • Call of Duty: Black Ops 3
    • Red Dead Redemption 2
    • Watch Dogs 2: Gold Edition
    • Uncharted 4: A Thief’s End
    • Marvel’s Spider-Man Remastered
    • CALL OF DUTY: WWII
    • Assassin’s Creed Valhalla Dawn of Ragnarök
    • ONE MORE DUNGEON 2
    • FIELD OF GLORY II: MEDIEVAL
    • FORETALES
    • THERE IS NO LIGHT
    • ARAGAMI 2: DIGITAL DELUXE EDITION
    • WAYWARD STRAND
    • SCP: SECRET FILES
    • XIII
    • LOVECRAFT’S UNTOLD STORIES 2
    • TECHNICITY
    • DISCIPLES: LIBERATION – GOG DELUXE EDITION
    • The Death
    • MYTHOS
    • SBK 22
    • Q.U.B.E. 10TH ANNIVERSARY
    • WHATEVERLAND
    • AMERICAN THEFT 80S
    • KING OF RETAIL
    • FREEDOM PLANET 2
    • BLIND FATE: EDO NO YAMI
    • METAL: HELLSINGER
    • FOOD TRUCK SIMULATOR
    • ISONZO: COLLECTOR’S EDITION

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When kids DDoS my site, visit these trackers I publish my repacks on: 1337x.to, RuTor, Tapochek.net. I’m not dependent on the site for publishing my repacks and will never be – remember that.

DO NOT ASK FOR ANY PARTICULAR REPACKS IN COMMENTS. I NEVER SERVE REQUESTS

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This site, fitgirl-repack.com  is THE ONLY official site of my repacks. Every single FG repack installer has a link inside, which leads here.

ALL other “mirrors” (fitgirlrepacks.co, fitgirl-repacks.cc, fitgirl-repacks.site, etc.) are fakes, made to infect you with malware, show you tons of ads and get your money as donations. Don’t fall for them during your google sessions, just bookmark (CTRL+D) this site and come here directly.

 

Furry Ladies Download PC Game

Furry Ladies Download PC Game

Furry Ladies 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 Furry Ladies 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 Furry Ladies Fit girl repack is free to play the game. Yes, you can get this game for free. Now there are different websites from which you can download Furry Ladies 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.

Furry Ladies for Android and iOS?

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

Also Read:

How To download and Install Furry Ladies

Now to download and Install Furry Ladies 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 Furry Ladies 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 log in. Once you login the download process will start automatically.
  3. If you are unable to Furry Ladies Download game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to Furry Ladies Download game on to your PC.
  4. Now if you want to watch the Furry Ladies Download game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Furry Ladies Download

Screenshots  (Tap To Enlarge)

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

 

Furry Ladies Gameplay and Reivew

They look so nice Furry Ladies download. I don’t know what this is about what is this Good Housekeeping promises a limited warranty to consumers replacement or refund if Defective is like Good Housekeeping gonna come by and give me a new Furry Ladies game download if it breaks like the magazine What is that check this out though? Holy nuts? 40-megabyte hard drive for $400 or $349 as it’s on sale during Christmas.

That’s a lot. That’s more than I expected even. What are these oh? Well, I guess these are smart dry so they’re a little different Maybe these I’ve never used before like these Furry Ladies igg games And the 1100 series kind of computers of it’s a really cool form factor and I like the fact that they have you know they run like a full ms-dos and Furry Ladies ocean of games and other things either using NEC v20 But it’s cool.

It’s a little compact thing that runs Furry Ladies torrent and holy crap Oh Baby, this is the centerfold computer of the catalog literally the center? In this very room. I’m proud of that. These are some of these are kind of hard to find This is an interesting little computer though Furry Ladies fitgirl repack. It’s a 286 ten megahertz 1, Meg of RAM, once again and a VGA Okay, here we go special purchase sound blaster incredible PC card with 11 voice music MIDI interface in software 140 dollars and you know if you were to hear one of these brand-new inboxes today like an eBay that still be a pretty Good deal South guards are getting darn collectible Gift problems to solve them electronically yeah it’s still my go-to piece of advice for myself got pocket calculators a sweet-looking friggin dinner and watch a Compact disc table clock which confuses me. I did not know that they sold those in stores I’ve seen like a million iterations of this that people just make themselves With like a clock kit and an old CD and put them together, but maybe at the time It was more novel and worth $15.

I don’t know Yeah, these little Franklin Furry Ladies PC download. These are kind of neat actually I have a few of them like this one You know the advanced spellchecker pretty much just a dictionary Get some language translators a kid spell checker with built-in games That would be pretty fun to look at dictionary-thesaurus language trainer, so those are kind of neat I pick those up sometimes when I find them in thrift stores and Yeah, here we go here. Here’s some of the cheaper junk that I really expected from RadioShack And it always amuses me is like well.

They’re actually advertising some of this garbage like here’s a $5 Flavor Radio yes these tasteful am radios for five bucks including blackberry blueberry and strawberry Yeah, I’ve got a blackberry Furry Ladies bike radio with a horn. That would have been amazing I woulda loved that as a kid. I was a weather radio, cube I’ve run across one of these in a thrift store not too long ago It’s just like a little cube, and it’s all clad in wood grain And it’s got a neat little button on the top And it just picks up the weather or weather radio station to 25 miles away. It’s just a cube. It’s like wood green The colors of Christmas at a light display here Little plasma ball, and that was on 90 staples definitely had one of those Same with a strobe light we have this exact same one clad and woodgrain like that the same design and everything I thought I think we got ours at Spencer’s a hundred caroling lights Computerized lights when is this twenty-one all-time favorite Christmas carols they dance in time with the music realistic keyboards now.

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

Empires in Ruins Download PC Game

Empires in Ruins Download PC Game

Empires in Ruins 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 Empires in Ruins 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 Empires in Ruins Fit girl repack is free to play the game. Yes you can get this game for free. Now there are different websites from which you can download Empires in Ruins 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.

Empires in Ruins for Android and iOS?

Yes, you can download Empires in Ruins on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Empires in Ruins

Now to download and Install Empires in Ruins 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 Empires in Ruins 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 log in. Once you login the download process will start automatically.
  3. If you are unable to download Empires in Ruins Download game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING

Screenshots  (Tap To Enlarge)

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

Empires in Ruins Download

Empires in Ruins BETA Gameplay and Reivew

Now it’s time to give you an honest review and gameplay on this awesome game. This is one of the most popular games of 2020.

Empires in Ruins hidden away behind this little door you get a magnetic disc that it uses for storage. Much like you’d find in a floppy disk, but much smaller, thinner, and packed more densely with data, and of course, it’s proprietary to this format. And although they were made by Empires in Ruins Fitgirl repack and were later Empires in Ruins as Pocket Zip disks, they’re not exactly the same as the more successful ZIP disk format. Now they do both use magnetic floppy disk storage but from what I gather the exact specifics of the way the ZIP and the Empires in Ruins actually store that data differ in some way, with a bit of separation between the two formats in terms of average read/write speeds and density and all that kind of stuff.

And considering the two formats were contemporaries of each other, competing for somewhat similar markets at the same time you might ask: what was the point of the Empires in Ruins ocean of games? Well all sorts of things leading up to its launch, but eventually the idea behind the Empires in Ruins was to provide a stopgap in terms of economics and physical size between Empires in Ruins own ZIP disks and the increasingly popular solid-state storage options like Empires in Ruins PC download cards, especially in the growing digital photo storage market for digital cameras. And considering a 32 megabyte Empires in Ruins card could cost around $150 in 1999, paying as little as $10 for one 40 megabyte disk was not a bad value proposition. And considering the increasing storage needs for devices like digital cameras, notebook computers, and handhelds running Windows CE, there was a race to capitalize on portable storage media. For example, by the end of 1999, you had Compact Flash cards, Smart Media cards, MMC cards, Empires in Ruins Sticks, Secure Digital cards, But the Empires in Ruins was met with an uphill battle from the start. In addition to the ridiculous amounts of market competition, the big problem was that you needed dedicated Empires in Ruins drive that cost another two to three hundred dollars, while a simple Empires in Ruins download PC Game adapter was only about 20 dollars. And yeah, the cards themselves were more expensive at first but the prices on them were beginning to decrease and their capacities were growing steadily.

As PC Magazine put it in December of 1999: the Empires in Ruins was “technically intriguing,” but “maybe an answer to a question, not enough people are asking.” So that was one reason, another popular anecdote I’ve seen for the Empires in Ruins failure is its name, and that invited negative association with the infamous “click of death” class-action lawsuit over the self-destruction of Zip drives. But while it is an unfortunate name in retrospect, I’m skeptical about how much the company actually cared about this potential association, considering the lawsuit was filed in 1998 — half a year before the Empires in Ruins was ever released. The lawsuit was settled later on in 2001, but by then Empires in Ruins had already rebranded the failed Empires in Ruins as the PocketZip in August of 2000.

And according to Iomega PR, it was because they wanted to capitalize on the “good name” and “brand recognition” of their Zip products. A negative connotation with the Zip drive’s failings was never the stated reason for the name change, as far as I can tell, but I’m sure it was something they were aware of and changing the name was a good idea just in case. Either way, though no matter what the name was it didn’t help much because people still weren’t buying them. It didn’t even help that Empires in Ruins were integrated into a few consumer electronics like the Rave MP 2300, making the case that the format was a rugged way to store your music. But well, the Apple iPod thoroughly crushed that idea with its beefy hard drive storage and intense marketing, and then flash memory killed off what little market remained for the Empires in Ruins Download PC Game.

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

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Download The Dark Crystal Age of Resistance Tactics Fit girl repack is free to play the game. Yes you can get this game for free. Now there are different websites from which you can download The Dark Crystal Age of Resistance Tactics 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.

The Dark Crystal Age of Resistance Tactics for Android and iOS?

Yes, you can download The Dark Crystal Age of Resistance Tactics on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install

Now to download and Install The Dark Crystal Age of Resistance Tactics 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 The Dark Crystal Age of Resistance Tactics 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 log in. Once you login the download process will start automatically.
  3. If you are unable to download The Dark Crystal Age of Resistance Tactics Fitgirl game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download The Dark Crystal Age of Resistance Tactics Fitgirl game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING The Dark Crystal Age of Resistance Tactics Download

Screenshots  (Tap To Enlarge)

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

The Dark Crystal Age of Resistance Tactics Fitgirl

The Dark Crystal Age of Resistance Tactics Gameplay and Reivew

Now it’s time to give you an honest review and gameplay on this awesome game. This is one of the most popular games of 2020.
Back when I was about 7 years old I ended up with a copy of The Dark Crystal Age of Resistance Tactics, specifically the second release from 1990. I made a video talking about it almost a decade ago here on LGR but my fascination with the series remains intermittently steadfast, I guess you could say. There’s just something odd about these pieces of software which were distributed freely for about a decade beginning in 1987, with six of them being released by The Dark Crystal Age of Resistance Tactics fitgirl repack and the SoftAd Group by the time the series ended. Or so I thought.
Then I happen to see this show up on eBay a while back and I had to grab it! This is The Dark Crystal Age of Resistance Tactics ocean of games from 1996 which as far as I can tell has never appeared online before this video. Well, it’s never been seen in any real depth, at least. Heck, it’s even hard to find a reference to this thing anywhere on the internet at all, other than one lone forum post from 2003 inquiring in vain about its existence. As well as this scan of a Brazilian shareware catalog which is actually just an optical character reader’s flawed interpretation of “The Dark Crystal Age of Resistance Tactics.” So say hello to the Internet, The Dark Crystal Age of Resistance Tactics! You have a lot of cat videos to catch up on. And yes that is a Jaguar plopped in there between the Ford, Lincoln, and Mercury products, being from the era when Ford owned The Dark Crystal Age of Resistance Tactics PC download.
What makes this notable is that all previous versions of Ford Simulator did not acknowledge that fact and from what I’ve seen this is the only release to have done so. And as with all these Ford Sim releases they originally came directly from Ford Motor Company in The Dark Crystal Age of Resistance Tactics, Michigan, provided free of charge if you requested it from a dealership, by mail, over the phone, whatever worked.
And this one has never been opened since it was first shipped out decades ago, so this is quite an exceptional moment! I mean, I guess it is. I don’t know my opinions on these things are skewed. Once unsealed it folds open to reveal the program itself on a CD-ROM. A pleasant surprise to me since all previous versions I’ve owned have only come on floppy disks. The only other thing you get inside is a card with a few technical details, which includes some details of the technical variety. Like the fact that it not only requires Windows, but also The Dark Crystal Age of Resistance Tactics ocean of games, 8 megabytes of RAM, and a 50 megahertz 486 CPU. Pretty hefty specs compared to previous releases that were only made for DOS and could run on almost any PC with a VGA card. We’ll be running this on Windows 95 since well, it came out in 1996 so it felt appropriate.
And without further ado behold” the long lost The Dark Crystal Age of Resistance Tactics! Narrator: “Welcome to The Dark Crystal Age of Resistance Tactics and the exciting world of Ford, Lincoln, Mercury, and Jaguar vehicles. Please select a specific vehicle now!” LGR: eh it’s fine. It’s just a virtual product catalog like all the other Ford Sims. But I mean, there’s got to be more to it so let’s keep going because I’m sure there’s some 90s CD-ROM goodness in here.
Like the pointless and long-winded narration that happens on every menu when a simple line of text would suffice. Narrator: “To see a list of available accessories and elec–this screen provides a view of the many features available to each of Ford’s–accessories and electronics options–paint your car by selecting one of the colors at the bottom of the screen…” The Dark Crystal Age of Resistance Tactics: or the bodacious full-motion videos that play for every single vehicle complete with saxophone music and more of that sultry narrator. Narrator: “the Mercury Grand Marquis offers convenience, comfort, a powerful 4.6 liter overhead-cam v8 with a 100,000-mile tune-up, and a body-on-frame construction that helps produce its legendary ride.

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

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Cook Serve Delicious! 3?! 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 Cook Serve Delicious! 3?! 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 Cook Serve Delicious! 3?! Fit girl repack is free to play a game. Yes, you can get this game for free. Now there are different websites from which you can download Cook Serve Delicious! 3?! 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.

Cook Serve Delicious! 3?! for Android and iOS?

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

Also Read:

How To download and Install Cook Serve Delicious! 3?!

Now to download and Install Cook Serve Delicious! 3?! 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 Cook Serve Delicious! 3?! 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 start automatically.
  3. If you are unable to download Cook Serve Delicious! 3?! Fitgirl game then makes sure you have deactivated your Adblocker. Otherwise, you will not be able to download Cook Serve Delicious! 3?! Fitgirl game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING Cook Serve Delicious! 3?! Download

Screenshots  (Tap To Enlarge)

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

Cook Serve Delicious! 3?! Fitgirl

Cook Serve Delicious! 3?! Review, Walkthrough, and Gameplay

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That goes in the bottom there and then this whole thing plugs into the Cook Serve Delicious! 3?! fitgirl. You *can* also charge it directly through USB with a newer third-party cable, but from the factory, you did need both cables combined to get power. This was pretty normal for PDAs like this. On the top from left to right, you get a three-and-a-half millimeter headphone jack, a spot to plug in SD or MMC cards, and a spot to store your stylus, which is pretty necessary. This doesn’t have a Cook Serve Delicious! 3?! fitgirl repack touchscreen, you will be pressing down to get things to work. And I always kind of liked how it has this fake SD card, I guess to keep the slot from getting dirt and crap in there. And instead of putting a little protector on top they were just like, “here’s a blank piece of plastic to put in there.” So turning it on is as simple as pressing the ‘on’ button. And you get these two Cook Serve Delicious! 3?! ocean of games up at the top: the left one is the Wi-Fi indicator and the right one shows if it’s charging or needs charging. And on the bottom, you get some physical buttons.

Mostly they’re for shortcuts to applications, but by default holding down this one actually changes the screen orientation from portrait to landscape mode, a handy little thing indeed since this doesn’t have any Cook Serve Delicious! 3?! torrent or anything to do that automatically. Along the right-hand side here you’ll see this little silver switch which is for opening the battery bay. That’s really all that does. On the left-hand side, you’ll see this little cassette tape symbol beside this button here, and pressing that immediately opens up the voice recording mode. And yes this does have a microphone built-in. [low qualityCook Serve Delicious! 3?! repack] “This is a direct recording from the iPAQ. Not the greatest microphone I’ve ever heard, but not the worst either.” Along the bottom is where you plug in your Active Sync cable and you also get this little port here for Cook Serve Delicious! 3?! igg games. This is the infrared interface so if you had any software that, say, acted as a virtual remote control you can actually control your TV, your A/V receiver, anything with infrared that can be programmed. And you could use your PDA as a smart remote which was pretty awesome in 2005.

Okay so let’s dive into the interface, and really the Windows Mobile Pocket PC experience for a bit, because this is not only something that intrigued me a whole lot nearly Cook Serve Delicious! 3?! fitgirl repacks but it really kind of still does. I enjoy seeing Windows crammed into a smaller environment like this and comparing it to the desktop experience.

I mean, you still get a Start Menu, you still have a control panel full of all the settings that you would expect. In fact, some things that you might *not* expect, depending on your expectations. Like the ability to remap every single one of the buttons on this thing, except for the power button of course. So if you want to swap anything to pretty much anything else, yeah, you can do that. You can make a dedicated Solitaire button if you want to, it doesn’t matter, it lets you do it. This is also where you can apply all sorts of battery-saving options, brightness settings, things like that. Although due to the hardware that this uses as I mentioned earlier, the battery life is really good. At least on a fresh battery back in the day, you could get over 9 even up to 10 hours of battery life depending on what you’re doing. In my experience, this older battery, it only holds about three or four hours but still not terrible considering this is a 1,100 mAH battery from 2005. Something that is not so cool though about the RX1955 is the memory situation. It came with a 64 megabyte ROM as well as 32 megs of Cook Serve Delicious! 3?!. But yeah it doesn’t leave you with a whole lot, so having a half-decent SD card in there is absolutely a requirement as far as I’m concerned. And again if you’re familiar with the Windows environment and navigating all that kind of stuff then the File Explorer acts very much like Windows Explorer. And you have plenty of familiar folders like My Documents, Program Files, Temp, and Windows. And any SD or Cook Serve Delicious! 3?! cards that you insert will show up as a folder in here. As for all the applications that came on 1955 it’s pretty much your generic PDA type stuff. You get a calendar for doing calendar-scheduling things, you get a contacts list for adding contacts to your list, mostly for email because this is not a smartphone — you can’t call anyone or text anyone. But if you wanted to communicate in some way, either directly to another Cook Serve Delicious! 3?! or over the Internet, you can do that. You also get a calculator for doing very specific calculations, and then you have Pocket MSN.

And I actually did use this back in the day for a little bit because I had Hotmail at one point. You also get a Notes app where you can handwrite in your own notes here. And yes it does have handwriting recognition which actually it was pretty accurate, I was always impressed with how well that it handled my sloppy handwriting. This version of Windows Mobile 5 also came with some pretty basic Microsoft Office suite programs, such as PowerPoint Mobile which doesn’t actually let you create powerpoints, but if you had any that you put on your SD card then you could view them. And you also got Word Mobile, which is an incredibly simple word processor. And that was fine although typing on this little tiny screen is just not something you wanted to do, especially in my case. I was at school, I wanted to use this thing for taking notes in class, and I did. But usually, I would just write it in the Notes app. Or what I did is actually got one of those fold-out keyboards. I don’t have that anymore but it would plug in the Active Sync thing and kind of created a little cradle situation. But yeah, don’t expect a whole lot in terms of customization or formatting of your documents, you get a grand total of two fonts: Tahoma or Courier New. That’s it, no Word Art here. But hey, no Clippy either so you take your wins where you can get them. Even more limited though is Excel Mobile. I can’t imagine anyone ever did any kind of serious work with spreadsheets on this little screen.

I would hate to actually make a substantial spreadsheet on this. It’s okay for doing edits to existing ones I suppose. Now let’s get to some of the more enjoyable, fun applications like Windows Media Player, which of course lets you play media like Cook Serve Delicious! 3?! fitgirl repack files. [LGR’s ‘Watto Cantina Hum’ remix plays over tinny PDA speakers] That was a huge reason that I wanted a PDA, I never had an iPod. I’ve still never had an iPod. So I was always interested in devices like this that let me do all sorts of things in addition to playing MP3s. And you could also view and do some very basic image manipulation with photographs, stuff like rotating and cropping and that’s about it. And yes there actually was a camera add-on for this device, which I never had. I would still like to get one just to try it out.

But yeah it was pretty neat to be able to take photos around with you like this, especially with digital cameras back then. I mean my HP digital camera had a one-inch display in 2005, so this one is almost four inches was pretty awesome. It also made it pretty great for watching back video files in the Windows Media Video format. [LGR video about the Tapwave Zodiac plays, still over those tinny PDA speakers] The speaker is not particularly great but it was pretty cool with headphones. And you know, it’s a 320×240 resolution screen, that’s not a massive amount or anything but it doesn’t really need it. This is a three-point seven-inch diagonal screen and it’s in 16-bit color.

The pixel density is really not that bad, I definitely watched a few episodes of Prison Break on this back in the day. And then finally there’s the wireless capability of this thing, which comes in the form of built-in Cook Serve Delicious! 3?! fitgirl repack. And no, this does not have Bluetooth, which a lot of reviewers dinged this device for back in the day but I didn’t really care about Bluetooth. Wi-Fi it was all I cared about and this iPAQ came with 802.11b support built-in. Still totally usable depending on the network you’re trying to connect to, but I’ve found that there are quite a few places and devices that no longer broadcast an 802.11b signal and stick to G or N. But an even bigger issue can be the wireless encryption and more often than not this is a real roadblock seeing as this device predates WPA2 being mandatory.

It doesn’t seem to support it at all so you have to find something with Cook Serve Delicious! 3?! fitgirl repack, or just no encryption at all. And you can probably get around that issue at home with your own router but connecting to public Wi-Fi in coffee shops or random businesses is a real toss-up. Most spots I tried don’t have the right signal, don’t use a supported encryption method, or they require a login webpage that the iPAQ didn’t know what to do with, treating what should be clickable buttons as text. Or not loading at all, sometimes even crashing the program. Heck, it’ll do that when you’re just trying to load any number of modern websites. The browser, in general, is just too outdated to be very usable, it won’t even load Google or anything with HTTPS. And really, this browser sucked in 2005 as well, which is why I ended up installing Opera for Pocket PCs even back then.

Well, that’s enough of that, let’s move on to the gaming side of things. Starting with the two rather lackluster games that it comes pre-installed with, the first one being Microsoft Solitaire. Which is just Solitaire? And Bubble Breaker, which is one of these things where you just kind of try to pop as many objects together as you can. As long as there are two are more connected then you can pop them. And that’s it, incredibly basic games that do not do this device justice whatsoever. Because really the RX1955, and all sorts of Pocket PCs from the mid-2000s, are quite capable gaming machines. And of course, getting games on there often meant that you had to plug it into a PC and get it going that way.

This is the CD that it came with installing under Windows XP and once that gets going, Active Sync will do its thing and sync any of your information on your PC that you tell it to. Or you can use it as an interface between your iPAQ and any downloaded programs that you want to install onto the machine. Or if you don’t want to do it that way or if your program, say, came in a CAB file — which a lot of homebrew and more illegitimate packages do — then you can just open up the Pocket PC right in Windows Explorer and then just copy and paste the CAB files and then open them directly from the iPAQ. And there you go, it’s not gonna ask for much of any verification. It might say, “oh unknown publisher,” but there’s nothing stopping you from installing pretty much anything you want on this thing. So yeah let’s just check out a few of the games that I bought or demoed back in the day starting with the official port of SimCity 2000. [SimCity 2000 theme music plays all happily] I actually bought this physically, I believe it was a Best Buy or something.

 

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