Before insurance was established in

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the late 17th century, "friendly societies" existed in

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England, in

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which people donated amounts of money to a general sum that could be used for emergencies. Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in

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Genoa in

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the 14th century, as were insurance pools backed by pledges of landed estates. The Presbyterian Synods in Philadelphia and New York created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized a similar fund in 1769. State laws generally require insurance placed with surplus line agents and brokers to not be available through standard licensed insurers. Insurance companies are generally classified as either mutual or stock companies. If the hand you bet on All Free Tournaments Play Online wins, you receive a 1 to 1 (even money) payoff. A series of cards is generated for each play; five dealt straight to the hand, the other five dealt in order if requested by player. Liquidity describes how easily an item can be traded for another item, or into the common currency within an economy