No Time V0.345 Fitgirl Repack Free Download PC Game
No Time V0.345 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 No Time V0.345 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 No Time V0.345Fit 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 No Time V0.345 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.
No Time V0.345 for Android and iOS?
Yes you can download No Time V0.345 on your Android and iOS platform and again they are also free to download.
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First you have to download No Time V0.345 on your PC.You can find the download button at the top of the post.
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No Time V0.345 Review ,Walkthrough and Gameplay
that’s me the music changed hello me uh what are you doing here what are you doing here why I actually don’t know what you’re doing here huh this is weird right no no what oh god what did i do today then I break everything Oh buggers that’s something I would say what the hell [Music] how’s it going guys Dre here.Welcome back to my beautiful DeLorean in no time today we’re going to do a little bit of the main questline the reason for that is I know there’s a new invention in this game.We do not have to rely on uranium to time-travel so I’m hoping we can unlock that via the main questline I’m not sure certain if that’s how you actually unlock it or not.But I thought we would check out the main questline anyways because it looks good.Now I definitely do want to do more of the accordion man as well if we have time we’ll do that today if not we will definitely be doing that in the future because we did get pretty deep into that sub quest line.It’s really really cool.But if this is your first time stopping here .You don’t really know what you’re looking at you’re basically looking at back to the future of the game yeah it’s called no time.It’s literally a time-traveling game where you can go anywhere from No Time V0.345 igg games now at the start we’re at the present time of 1984 what we have to do right now is go to 2014 because that’s what the my journals tells me to do so we’re gonna go do that.See good old doc basically I think his name is Edward in this game or something like that.
But yeah it’s pretty much dark from what I can tell.Yeah I think everything’s ready to go charge is on we’re at zero heat right now oh I’m supposed to hit EnterNo Time V0.345 download that’s probably smart there we go enter so we have confirmed the time in 88 miles per hour there we go 2014 ladies.Gentlemen let’s go see good old doc right away all right so doc was yes right here at his laboratory I don’t remember what exactly what it was called I’m just gonna pull off the road a little bit here I just gonna pick just right into a pole ah man I love early access games are the greatest so yeah clearly we have some crazy drivers in this one also 2014 at least in Back to the Future timelines is extremely futuristic as you can see all right we’re at the laboratory .There’s good old doc himself hello and welcome to my workshop I am er author inventor are you here for repairs or are you perhaps in need of a scientific consultation oh yeah we’re gonna quickly go through this.He’s gonna give us basically a to-do list we saw this in the first episode by the way he didn’t check out the first episode do check it out, because it’s a really cool game.I’ll have a link in the description okay because doc doesn’t shut the hell up all TLDR it for you or TL DW I guess in this regard doc wants me to pick up some stuff actually before that let me just grab this quest because I think it’s probably the accordian man yes it is okay so we’re gonna grab this question for later well yes back to the story doc has wants to build a weather machine basically.
I have to go pick up some stuff most of the stuff is easily picked up we can actually go to the store .Buy it right now which we will do.But he has a family a family heirloom a brass pocket watch that he needs to conduct electricity with.We have to go back to 1795 I believe it was.Go kill some bandits that stole it from his family huh how are you doing Tommy doing good I’m here I’m just here to trade so what can I get you what exactly what’s in front of you right now there’s 19 bucks there’s half my money I hope this is worth it we’re gonna throw that in the inventory throw the uranium in the inventory I guess technically I didn’t need to buy the uranium either because I technically have my own uranium.But we’re gonna buy it for him now let me just make sure if we go back to I think it’s thunderous matters yes he wants me to find specific items for his newest invention in any case I could simply try time-travel back to get the real brass clock which is family law since 1795 they lived under Hill which is a round desk ah so yeah I guess we simply got to go back to 1795 so let’s do that just a crab while walking down the street guess we don’t need to be alarmed no 2014 is weird in this game man all right I think we need to be this at 600 I’m feeling confident by the time we get up there we should be close hopefully being a little bit degrees over doesn’t hurt us oh man okay I’m a little nervous now this might actually be a bad idea oh okay yeah I think we’re okay now we’re dead you really gotta be under 600 degrees.
Okay well it’s a good thing I just saved it cuz I’m dumb.I’m impatient clearly okay whoo that was a little too close for comfort.But we’re gonna put that reactor cooling on right away Oh actually it’s already on that’s right all right here we are 1795 I got to be honest I expected at least a little bit of a village let’s just I know we kind of need to go somewhat over here well there’s yeah it looks like that’s a house right there you actually see a sign over here so what does this sign say whoa a little bit of bumpy road here so yeah 1795 man clearly civilization wasn’t here yet.What is this where are we Pine Lake ah good old Pine Lake when it was small you know what I’m gonna get out.Just kind of explore this place on foot so we’ve got people here as you can see .We’re looking for his family I think is this exactly where we’re supposed to be let’s just explore this I don’t think he’s probably here.But maybe I can get some information here on what’s going on whoo wait quest all right so we have a quest Frederick J author wait that’s his family did I find him okay he was way off where he was supposed to be if this is him ah hello stranger what is it sir I have lost something really presence recently this is it he lost his family heirloom unless you can take it up with some bullies one has a gun.
I would not want that on you I can I’ll see what I can do they should be what the hell is that it should be right now in a cave on the side of this hill sorry on the side of this hill beyond the field here take this club good luck.Watch out okay what was that noise though he’s given me a club to fight somebody with a gun thanks man I really appreciate that I think I actually have to hold it what the hell was that noise alright can you give me like a specific location good luck stranger you didn’t even even tell me where he is now okay so we need to find some bandits around here I see a building over there I wonder if it’s up the hill though Oh actually I see fire up there okay I think that’s a sheep oh I think I see something there there is something at the below that rock I mean squint.You’d miss that is this it though is this considered the field all things are loading in now okay I’m thinking I found it let’s eat a little bit of my candy I’m gone getting a little nervous now good old 1984 food I mean this is where I’d hang out if I was a bandit alright so this guy’s got a gun yes okay yeah it doesn’t really show you in this game exactly where you need to go I kind of like that though it feels very old-school all right well I got my club I guess we just explore oh god the bandits already there okay are you gonna shoot me right away what if I can sneak up No Time V0.345 download update.
Well this guy’s clearly blind so thank God and Bam Bam Bam Bam Bam okay I thought this would be a lot harder I mean I’m not gonna complain.But I got I think that’s it anyways hold on the press o’clock haha okay and I can’t take my club with me because I have no more space left so I only have four inventory spaces so I want her there we go let’s put that in the inventory where I got to get some food really quickly though it’s actually food here we didn’t even kill the bandit boss all right let’s get out of here and get back to good old doc we got exactly what we needed you should be happy with us all right so I guess I got options I could maybe give the clock back kind of curious.But obviously the doc wants it so let’s go give it back to the doc here we go eighty-eight no problem at all and whoa whoa that’s not good that’s not good that’s gonna hurt okay okay what the hell just [Applause] I must have landed in something the problem is your car actually takes damage in this damn game and now I’m gonna have to repair the poor thing Jesus that nut that’s dangerous time travel I guess all right well we’re back okay so I know he wants me to put all this stuff here oh the club from 1795 we’ll keep that there I love everything’s dated it’s great.But yeah thanks bear are we good you got the things place them on the table you have them right there on the table dude doc doc I don’t have an option here doc they’re on your table I don’t know what other table you’re possibly talking about this took way too long doc oh my god dude are you blind are you starting to lose your mind doc wait wait wait is that me I just heard somebody come in.
Yeah that’s me so I’m wondering if that’s the issue if because I came one hour early and I haven’t actually technically talked to doc yet if you really think about it if that’s like confusing the game all right we’re gonna we eat that right now yeah let’s just eat one of those there we go and the rest goes in the inventory because ice cream lasts forever in 2014 No Time V0.345 download. I am here okay can I steal can I steal I can’t seem to use it guys I’m hitting half use my car I can’t use my future car can I see myself it’s so pretty pretty now I’m wondering now that I waited though that’s me the music changed hello me ah what are you doing here what are you doing here why I actually don’t know what you’re doing here oh this is weird right no no what oh god what did i do did I did I break everything did I ruin it Oh boogers that’s something I would say what the hell so well avoid yourself remember oh you told me to do that well damn it okay doc I swear to God if you don’t see this stuff if things place them on the table ah yes here okay thank God there we go I will meet you on the hill behind behind the 6/12 or oh and here’s some payment for your hardships which he’ll again the one behind 6-12 store well it is the closest one No Time V0.345 torrent and I got a hundred fifty bucks okay not bad not bad at all now we at least got some money in the bank now can we get that upgrade dude alright I’ll cut I want to see what he’s doing now so do we I guess we don’t have the time travel he’s just gonna be over there 6:11 store I would like to purchase this Tom how are you doing today by the way Tom say 20 bucks all right uh this is mine rate right stop F right oh my god Tom Tom this is amazing Tom okay so yeah I thought maybe we should get the the hover car.But honestly that’s five hundred dollars and I don’t have that money yet so I figured we’d at least get the level board.
Okay where were you at dock dock dock use up here what are you doing dude what is this oh dude this is so cool okay uh how do I get off there we go okay well um aboard don’t go away stay lab abort oh no no no no inventory inventory I don’t want to lose you huh huh Oh God he almost made me kill myself okay there we go Jesus Christ all the lever boards absolutely crazy what’s up man what are you doing here is this your weather machine there you are Here I am great now here is the brass cloth take it put it into the conduction chamber on the side of the machine oh oh oh okay drop drop Oh what am i doing what are we doing doc dock dock is the world okay okay the world looks alright what the frig just happened dog Oh John god damn I didn’t know oh god this game is amazing alright what’s up man I should have used my safety goggles you don’t say buddy you don’t say well that went great it worked the clock might have been too conductive though well that was it for the clock I guess well anyways maybe back in the lab if you’d like to help out further Thanks you know what that was pretty fun I might help out further Jesus alright guys well I think it’s a good time to wrap up this episode I hope you guys enjoy checking out no time again this time doing a little bit of the main storyline and I gotta say I’m very much not a fan of storylines or quest lines and games.
But I’m kind of intrigued by this one I want to know what we’re gonna make next so let me know what you guys think because yeah do you want to see like the main questline or do you want me to do more side quests just open-world stuff play with my my lev borisovich and it’s all up to you guys on what you want to see so let me know in the comments below regardless I hope you guys enjoyed this episode of no time in the next episode we’ll probably get back to the accordion man at least just to see what that’s all about being that we already have the quest we may as well do that one and I really gotta figure out what we’re doing with the uranium or what not the benefit being we have money now so we can buy more uranium we know where to get it at least.
The Co-insurance Clause
Of the more important clauses in current use, the one most frequently used, most severely criticized, most mis¬ understood, most legislated against, and withal the most reasonable and most equitable, is that which in general terms is known as the “co-insurance clause.”
Insurance is one of the great necessities of our business, social and economic life, and the expense of maintaining it should be distributed among the property owners of the country as equitably as it is humanly possible so to do.
Losses and expenses are paid out of premiums col¬ lected. When a loss is total the penalty for underinsurance falls where it properly belongs, on the insured who has elected to save premium and assume a portion of the risk himself, and the same penalty for underinsurance should by contract be made to apply in case of partial loss as applies automatically in case of total loss.
If all losses were total, liberality on the part of the insured in the payment of premium would bring its own reward, and parsimony would bring its own penalty; but the records of the leading companies show that of all the losses sustained, about 65%—numerically—are less than $100; about 30% are between $100 and total; and about 5% are total. The natural inclination, therefore, on the part of the public, particularly on the less hazardous risks, is to under¬ insure and take the chance of not having a total loss; and this will generally be done except under special conditions, or when reasonably full insurance must be carried to sustain credit or as collateral security for loans. There were several strik¬ ing illustrations of this in the San Francisco conflagration, where the amount of insurance carried on so-called fireproof buildings was less than 10% of their value, and the insured in such instances, of course, paid a heavy penalty for their neglect to carry adequate insurance.
Co-insurance operates only in case of partial loss, where both the insurance carried and the loss sustained are less than the prescribed percentage named in the clause, and has the effect of preventing one who has insured for a small percentage of value and paid a correspondingly small pre¬ mium from collecting as much in the event of loss as one who has insured for a large percentage of value and paid a correspondingly large premium. We have high authority for the principle,
“He which soweth sparingly shall reap also sparingly, and he which soweth bountifully shall reap also bountifully.”
and it should be applied to contracts of insurance. Rating systems may come, and rating systems may go; but, unless the principle of co-insurance be recognized and universally applied, there can be no equitable division of the insurance burden, and the existing inequalities will go on forever. The principle is so well established in some countries that the general foreign form of policy issued by the London offices for use therein contains the full co-insurance clause in the printed conditions.
The necessity for co-insurance as an equalizer of rates was quite forcibly illustrated by a prominent underwriter in an ad¬ dress delivered several years ago, in the following example involving two buildings of superior construction:
“A’S” BUILDING “B’S” BUILDING
Value $100,000 Value $100,000
Insurance 80,000 Insurance 10,000
Rate 1% Rate 1%
Premium received— Premium received—
one year, 800 one year, 100
No Co-insurance Clause No Co-insurance Clause
Loss 800 Loss 800
Loss Collectible 800 Loss Collectible 800
“B” pays only one-eighth as much premium as “A,” yet both collect the same amount of loss, and in the absence of co-insurance conditions both would collect the same amount in all instances where the loss is $10,000 or less. Of course, if the loss should exceed $10,000, “A” would reap his reward, and “B” would pay his penalty. This situation clearly calls either for a difference in rate in favor of “A” or for a difference in loss collection as against “B,” and the latter can be regulated only through the medium of a co-insurance condition in the policy.
At this point it may not be amiss incidentally to inquire why the owner of a building which is heavily encumbered, whose policies are payable to a mortgagee (particularly a junior encumbrancer) under a mortgagee clause, and where subrogation may be of little or no value, should have the benefit of the same rate as the owner of another building of similar construction with similar occupancy, but unencum¬ bered.
In some states rates are made with and without co- insurance conditions, quite a material reduction in the basis rate being allowed for the insertion of the 80% clause in the policy, and a further reduction for the use of the 90% and 100% clauses. This, however, does not go far enough, and any variation in rate should be graded according to the co-insurance percentage named in the clause, and this gradation should not be restricted, as it is, to 80%, 90% or 100%, if the principle of equalization is to be maintained.
Various clauses designed to give practical effect to the co-insurance principle have been in use in this country for nearly forty years in connection with fire and other contracts of insurance. Some of these are well adapted to the purpose intended, while others fail to accomplish said purpose under certain conditions; but, fortunately, incidents of this nature are not of frequent occurrence.
There are, generally speaking, four forms, which differ quite materially in phraseology, and sometimes differ in prac¬ tical application. These four clauses are: (1) the old co- insurance clause; (2) the percentage co-insurance clause; (3) the average clause; (4) the reduced rate contribution clause.
Until recently, underwriters were complacently using some of these titles indiscriminately in certain portions of the country, under the assumption that the clauses, although differently phrased, were in effect the same, but they were subjected to quite a rude awakening by a decision which was handed down about a year ago by the Tennessee Court of Civic Appeals. The law in Tennessee permits the use of the three-fourths value clause and the co-insurance clause, but permits no other restrictive provisions. The form in use bore the inscription “Co-insurance Clause,” but the context was the phraseology of the reduced rate contribution clause, and although the result was the same under the operation of either, the court held that the form used was not the co- insurance clause, hence it was void and consequently inop¬ erative. Thompson vs. Concordia Fire Ins. Co. (Tenn. 1919) 215 S.W. Rep. 932, 55 Ins. Law Journal 122.
The law of Georgia provides that all insurance companies shall pay the full amount of loss sustained up to the amount of insurance expressed in the policy, and that all stipulations in such policies to the contrary shall be null and void. The law further provides that when the insured has several policies on the same property, his recovery from any company will be pro rata as to the amount thereof.
About twenty years ago, the Supreipe Court of Georgia was called upon to decide whether under the law referred to the old co-insurance clause then in use, which provided
“that the assured shall at all times maintain a total insurance upon the property insured by this policy of not less than 75% of the actual cash value thereof . . . . and that failing to do so, the assured shall
become a co-insurer to the extent of the deficiency,”
was valid and enforceable, and it decided that the clause was not violative of the law. Pekor vs. Fireman’s Fund Ins. Co. (1898) (106 Ga. page 1)
The Georgia courts, however, have not passed upon the validity of the reduced rate contribution clause in connection with the statutory law above referred to; but it is fair to assume that they will view the matter in the same light as the Tennessee court (supra), and hold that it is not a co-insurance clause, even though it generally produces the same result; that it contains no provision whatever requiring the insured to carry or procure a stated amount of insurance, and in event of failure, to become a co-insurer, but that it is simply a clause placing a limitation upon the insurer’s liability, which is expressly prohibited by statute. The fact that the insurers have labeled it “75% Co-insurance Clause” does not make it such.
It is, therefore, not at all surprising that the question is frequently asked as to the difference between the various forms of so-called co-insurance clauses, and these will be considered in the order in which, chronologically, they came into use.
Probably in ninety-nine cases out of one hundred there is no difference* between these clauses in the results obtained by their application, but cases occasionally arise where ac¬ cording to the generally accepted interpretation the difference will be quite pronounced. This difference, which will be hereinafter considered, appears in connecton with the old co-insurance clause and the percentage co-insurance clause, and only in cases where the policies are nonconcurrent.
The first of the four forms is the old co-insurance clause which for many years was the only one used in the West, and which is used there still, to some extent, and now quite generally in the South. Its reintroduction in the South was probably due to the Tennessee decision, to which reference has been made (supra). This clause provides that the insured shall maintain insurance on the property described in the policy to the extent of at least a stated percentage (usually 80%) of the actual cash value thereof, and failing so to do, shall to the extent of such deficit bear his, her or their pro¬ portion of any loss. It does not say that he shall maintain insurance on all of the property, and the prevailing opinion is that the co-insurance clause will be complied with if he carries the stipulated percentage of insurance either on all or on any part of the property described, notwithstanding the fact that a portion of said insurance may be of no assist¬ ance whatever to the blanket, or more general policy, as a contributing factor.
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