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Pepper Freedom by Artgerm Pepper Freedom by Artgerm
Free-spirited Pepper. :D

Done in Painter and Photoshop. 6 hours. No ref
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pkseo Featured By Owner May 11, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! star wars games
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FAREEDY Featured By Owner May 11, 2016
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pkseo Featured By Owner May 10, 2016
In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
Insurance contracts are designed to meet specific needs and thus have many features not found in many other types of contracts. Since insurance policies are standard forms, they feature boilerplate language which is similar across a wide variety of different types of insurance policies.
The insurance policy is generally an integrated contract, meaning that it includes all forms associated with the agreement between the insured and insurer.[1]:10 In some cases, however, supplementary writings such as letters sent after the final agreement can make the insurance policy a non-integrated contract.[1]:11 One insurance textbook states that generally "courts consider all prior negotiations or agreements ... every contractual term in the policy at the time of delivery, as well as those written afterwards as policy riders and endorsements ... with both parties' consent, are part of written policy".[2] The textbook also states that the policy must refer to all papers which are part of the policy.[2] Oral agreements are subject to the parol evidence rule, and may not be considered part of the policy if the contract appears to be whole. Advertising materials and circulars are typically not part of a policy.[2] Oral contracts pending the issuance of a written policy can occur.[2] Insurance United States
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:iconpkseo:
pkseo Featured By Owner May 10, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! logistics
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pkseo Featured By Owner May 10, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! logistics
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pkseo Featured By Owner May 9, 2016
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FAREEDY Featured By Owner May 9, 2016
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pkseo Featured By Owner May 9, 2016
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pkseo Featured By Owner May 8, 2016
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pkseo Featured By Owner May 7, 2016
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pkseo Featured By Owner May 3, 2016
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pkseo Featured By Owner May 3, 2016
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pkseo Featured By Owner May 3, 2016
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pkseo Featured By Owner May 2, 2016
There have been multiple recent reports of hoverboards catching fire. From the reports I have read, these issues seem to happen mostly when the hoverboards are being charged. According to the New York Post, “The Consumer Product Safety Commission has launched 10 active fire-related hoverboard probes across nine states.” best hoverboards for sale
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pkseo Featured By Owner May 2, 2016
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pkseo Featured By Owner May 1, 2016
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pkseo Featured By Owner Apr 28, 2016
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pkseo Featured By Owner Apr 27, 2016
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pkseo Featured By Owner Apr 27, 2016
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pkseo Featured By Owner Apr 27, 2016
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pkseo Featured By Owner Apr 26, 2016
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pkseo Featured By Owner Apr 25, 2016
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pkseo Featured By Owner Apr 25, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! Rio 2016 opening ceremony
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pkseo Featured By Owner Apr 25, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! Rio 2016 opening ceremony
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pkseo Featured By Owner Apr 25, 2016
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pkseo Featured By Owner Apr 25, 2016
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pkseo Featured By Owner Apr 24, 2016
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pkseo Featured By Owner Apr 24, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! تصاویر
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pkseo Featured By Owner Apr 24, 2016
I would love to stop by. But, I think it might have to wait until this summer. I did not know that Serlkay had ever expanded its size. I must say that a succesful family owned business in this day and age is a very refreshing sight! As well as this is a very refreshing site! اخبار
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pkseo Featured By Owner Apr 24, 2016
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pkseo Featured By Owner Apr 24, 2016
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pkseo Featured By Owner Apr 24, 2016
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pkseo Featured By Owner Apr 23, 2016
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pkseo Featured By Owner Apr 22, 2016
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pkseo Featured By Owner Apr 22, 2016

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pkseo Featured By Owner Apr 21, 2016
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pkseo Featured By Owner Apr 20, 2016
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pkseo Featured By Owner Apr 18, 2016
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