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the military were, and still are, synthetic jackets. In most games, it is also useful to sort one's hand, rearranging the cards in a way appropriate to the game. War risks cover protects, at an additional premium, against the danger of loss in a war zone. The insurance contract between the golf tournament and insurance company will detail rules such as: which holes on

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the course the prize will be insured on, how to verify the hole-in-one was achieved legitimately, and what to do if a contestant hits a hole-in-one on

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a hole other than the insured hole. The typical liabilities arise in respect of collision with another ship, known as 'running down' (collision with a fixed object is an 'allision'), and wreck removal (a wreck may serve to block a harbour, for example). In the 19th century, shipowners banded together in mutual underwriting clubs known as Protection and Indemnity Clubs (P&I), to insure the remaining one-quarter liability amongst themselves. [13] The insurance industry and rent seeking Certain insurance products and practices have been described as rent seeking by critics