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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

Special note about impostors

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.

 

Dead End Job Fitgirl Repack Free Download

Dead End Job Fitgirl Repack Free Download PC Game

Dead End Job 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 Dead End Job 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 Dead End Job 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 Dead End Job 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.

Dead End Job for Android and iOS?

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

Also Read:

How To download and Install Dead End Job

Now to download and Install Dead End Job 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 Dead End Job 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 Dead End Job Download

Screenshots  (Tap To Enlarge)

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

Dead End Job Review ,Walkthrough and Gameplay

Now let me give you a honest review on Dead End Job.This is one of the best game.The release date of Dead End Job is 13,dec 2019.

Hey guys what’s up for today’s article, I thought would play Dead End Job free download PC game, it’s a colorful frantic shooter where it’s your job to bust some ghosts you have to go through different offices and shoot him up vacuum up and collect a sweet sweet check it’s basically all about getting paid .

Here’s the crazy part at first glance you’re like this looks kind of like a basic game but it’s not it’s so addicting it’s incredibly fun it’s giving me earth form gem vibes mixed with Luigi’s Mansion it’s really funny the writing is clever the sound design is great and I think you guys are really gonna enjoy it so I’m excited to jump right in and show you a little bit more about it this is available on Dead End Job pc download which I mentioned in my last video I know I sound like a Dead End Job igg games evangelist but like it is only $4.99, and it is amazing to get so many games that they have curated specially for you everything is included in the game so it’s a limitless playing just enjoy yourself have a great time and not have to worry about anything.

The way app gaming should be you want to know more about Dead End Job ocean of games, I’ll link it down below there’s a free one-month trial I’m not getting paid to say this I’m really enjoying it so I feel like everyone else should too anyways let’s get started Hector it’s good level in it we could edit the name but let’s just be Hector song oh man if I ever making a game. I want to intro song like that I think this is my house well it’s a little bit of a dump it’s alright you were the theme song right yeah but you had forgot you’re asking locals for Dead End Job torrent download. We’ll just take time also you need to give money that goes for you too all right it’s gonna work I missed a lot of the text I pressed the buttons at the wrong time let’s check the job map new business district okay oh so we need to make fifty thousand monies if we want to unlock the what is that oh the park okay well let’s go in here let’s get some ghosts okay let’s get started this is a bit of the tutorial.

You can walk around you can shoot like this we’re gonna bust all this stuff up because I think we can get money out of this too Oh see ya listen the whole point of this game is to make that sweet sweet change.Okay overheat what’s gonna happen there well that explode oh no my gun was overheating okay okay so these kind of games are just super fun right you’re destroying things you’re having a good time it’s kind of like rampage.You also have a vacuum that you can suck stuff up with too if things are a little bit harder to reach but our job is to hunt ghosts so let’s go into the next room and see if we can find that.

Oh we’re trapped there’s a ghost we got a stun now use your vacuum to catch it can do boom that easy through the room but did we really clear it if we didn’t get cash oh good to know I almost made a huge error there did you see that if you’re too close to something and it blows up it’ll hurt you just like real life so good to know I made the BB mistake what’s this pink thing you see whoa what is it use whatever stuff you can find lying around it’ll usually do some good but occasionally some bad would make some sort of special item all right.

Dead End Job torrent download . Let me just beat this stuff up soon let’s grab just a little bit of extra change there’s money everywhere like how much have we made so far this is crazy only $400 the real money comes from beating up the ghost so satisfying catch all the ghosts in this room to free these idiot when this comes to console if it’s not already its couch Dead End Job fitgirl repack, so you can play with friends I just feel like it’s a perfect game to play with friends just attack them where they attack you I know it’s seeming kind of simple but it’s because it’s the tutorial oh there’s my little thing so it’s saying job complete but I’m seeing another door that we can go into I say we check it out and see what might be inside I wish I could beat the guy up and have him give me money I’m not collecting any money in here.

But I want to destroy everything so you see I see something oh my gosh there it is I had another weapon let’s see what happens oh shoot I don’t think it did anything oh okay I get hurt if I go in the goop good to know gonna be able to get these guys what does this do oh okay it that didn’t do anything it just it just put me in a pool of jell-o I thought maybe it would help me but it didn’t why don’t we look like that alright let’s go into this other room oh there’s a rocket launcher Dead End Job free download PC game, clever maybe that should be oh my gosh blue no I have one heart left this is not good oh shoot they’re charging at me.

Oh run girl what come on oh no she’s getting quicker, oh I left no please still be dead a halfway dead no it reset good to know guess what guys you step out of the room it resets and then you’re screwed how do my items even work this is my first time in countering a baddie bad oh I got mega money for that I still do not understand how those power-ups work but I that just made me fart huge oh-ho.

I’m sorry for that I’m getting this guy from a distance so we’ve cleared the room but there’s one room left in here I did miss some money and that’s gonna bother me what’s this I don’t know that is oh I just oh I died no emoted that’s not what we want we don’t want to get Dead End Job fitgirl repack we want to get promoted we didn’t make it good hey we still got paid even if we died we still got paid I think when you clear a level you can get promoted sorry better all saving your soul might take a while on the upside doing my job with you around as much less awkward I thought what do you mean you know I clear up goes for a living Dead End Job fit girl repack.

You’re you’re uh you know I’m not understanding you Hector she’s a ghost just never mind oh sweet that’s day one we’re gonna jam jar we ought to play an awful lot. I bet you and you clear an entire room like every single room in the map you get a pretty sweet bonus what in the blazes use it to remember things it’s useful job for high-level manifestations and good fast-food places there’s something I can’t put my finger on it that’s because you’re a ghost you can’t put your finger on anything okay cool jobs taken.One success rate zero oh we’re killing it guys total time on job nine minutes ghosts busted it’s because I ran into a stupid boss person weird stuff picked up oh sweet it shows me all the ghosts well that’s pretty cool things I’ve caught Oh Steph.

That was all on Dead End Job fitgirl repack free download PC game,if you have any questions related to this topic then comment down in the comment section.Also if you like this article the share it with your friends.

The Insurance Society of New York

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

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

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

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

Liberated Fitgirl Repack Free Download

Liberated Fitgirl Repack Free Download PC Game

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

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

Liberated for Android and iOS?

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

Also Read:

How To download and Install Liberated

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

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

TROUBLESHOOTING Liberated Download

Screenshots  (Tap To Enlarge)

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

Liberated Review ,Walkthrough and Gameplay

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

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

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

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

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

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

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

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

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

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

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

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

The Insurance Society of New York

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

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

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

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