The Different Types Of Commercial Insurance Brokers

To the average man or woman on the street, the world in which commercial insurance brokers live and operate will be little more than a mystery. The field of insurance in general is still barely understood by laymen and women, and with commercial insurance being one of its most specialised branches, this effect is felt several-fold.

Few people seeking to take out this type of insurance will be aware, for instance, that there are several types of commercial insurance brokers on the market, each with its own specific ways to operate, strengths and limitations. At best, most of these men and women will be aware of the existence of the main, larger insurance companies, with the countless smaller operators being known to only a minuscule portion of the overall demographic, mostly through research or word of mouth. Yet, on occasion, these alternative types of commercial insurance brokers may actually be more suited for what an individual or business is after than the more ‘mainstream’ alternatives; it is with that in mind that the present article seeks to introduce prospective clients to the different types of commercial insurance companies available, so that they may assess which will best suit their specific situation.

Insurer-Owned Brokers

Insurer-owned companies are perhaps the most widespread and prolific sub-section of the commercial insurance market, and many of the most popular and best-known commercial insurance brokers fall under this category. As the name indicates, these outfits are owned by large insurance companies, who typically dictate their standards and practices. In certain countries, this model was considered the industry standard for commercial brokers for decades; it has, however, recently begun to lose ground, as the effectiveness of these types of outfits began to dwindle. Nowadays, many experts make a case for the model being outdated, and it is predicted that insurer-owned commercial insurance brokers will continue to lose market space in years to come.

Broker Networks

Broker networks comprise several small commercial insurance brokers, all of which share resources, assets and market opportunities between them. In its ideal form, this is considered to be a beneficial model for companies that choose to join one of these networks, with many of them advertising better commissions for individual brokers and service conditions for the companies as a whole; however, adhesion to this type of network remains uneven between countries.

Consolidated Brokers

Consolidated commercial insurance brokers result from one company assimilating, buying out or otherwise consolidating any number of smaller ones, in similar fashion to a corporate merger. At one point, these types of companies were the most common type of commercial insurance brokers in certain markets, with consolidations happening as frequently as once a week. The practice has significantly lost steam since then, however, mainly due to the fact that the exact benefits to be reaped from consolidation processes are not always clear. This has caused many brokers to sour on the practice, and much like insurer-owner brokers, it is thought that this type of brokerage firm may lose even more ground in years to come.

Independent Brokers

The fourth and final type of brokerage firm are independent brokers, that is, brokers which are not associated with either of the three types described earlier in this article. These tend to be smaller, often family or owner-run companies, with smaller and more personalised client bases, and frequently focused on more specialised or less explored areas of the field. Customers resorting to an independent broker can expect a more personalised service, with a higher rate of face-to-face interactions and more time devoted to each case. This type of company is less prevalent in the modern landscape than any of the previously listed ones, but there are still a few independent commercial insurance brokers left, and they tend to attract a small yet loyal customer base.

These are, in broad strokes, the main types of commercial insurance brokers available to customers. It is, therefore, up to each individual to work out which business configuration would be most suitable to their specific needs, in order to avoid disappointment down the road.

Planning an Off-Site Business Meeting

Conducting a business meeting is one of the most important events in the business calendar. As a business owner you might need to conduct some meetings with the customer at a peaceful and a calm location, so that the meetings will not have any distractions from your day-to-day business. When conducting such client meetings it is very important for the business to consider certain factors. These factors include the availability of a meeting place with good infrastructure, proper communication to all the attendees well in advance and provision of good quality food to the people attending the meeting.

When one looks for an ideal destination to conduct the meeting, the person should also look for the availability of a meeting place in the destination with the entire required infrastructure such as chairs and tables, proper ventilation, projectors in working condition and provision for working with laptops.

These are only some of the major facilities that are required for meetings. There are other factors that might be minor, but also extremely important to smoothly conduct the meeting. Thus before booking the hall, one should have a checklist of items that needs to be available in the meeting hall. While talking to the meeting hall representative, the business owner can ask for the availability of all the items in the check list.

The business owner should ensure that the meeting schedule is circulated to the target audience some weeks in advance. Complete details including the meeting hall location in the town, landmarks to easily identify the meeting hall, the start time of the meeting and the lunch break and the end time. The meeting attendees also should be informed whether lunch will be served there. The meeting agenda should clearly mention the topics to be discussed and who is going to deliver the speech for that topic.

On the day of the meeting, the person responsible for making the arrangements should reach the meeting place well in advance. The person should be there at least an hour before the meeting starts. By reaching early, the concerned person can cross check whether all the arrangements are in place for the meeting to start on time. There should not be any last minute surprises.

While conducting the meeting, it is important for the participants to strictly adhere to the schedule mentioned. Speakers should not deviate too much from the topic of discussion and should talk only about the topic planned.

Commercial Brokers – Adjusting to the Pain of the Property Market Today

This commercial property market presents most agents and property owners with a few challenges. That being said, opportunities always exist for those that work hard and look deep enough for a solution.

When the commercial and retail property market gets tougher there are some rules that should generally be worked through:

  1. Existing tenants are the lifeblood of the income and the cash flow for the property. Those tenants are also likely to be under some pressure in similar ways to the property owner. Flexibility in lease terms and conditions is required to ensure that good tenants stay in the property for the medium term. It is better to have a tenant paying 80% rent than a long term vacancy that pays nothing.
  2. Any anchor tenants will be important to the stability of a property that includes smaller specialty tenants. This is the case in retail property. Special management procedures are required. Work closely with any anchor tenants to ensure that their occupancy remains stable and productive. A successful anchor tenant attracts people to the retail property.
  3. Market rent reviews should be negotiated with a view to tenant stability; that means sensible and flexible rent terms that work for the tenant and the landlord. There is always a compromise situation that can be achieved when it comes to a rent review. If a landlord gives the tenant some leeway or benefit, then the tenant should be asked for some benefit back to the landlord (renovation, longer lease term, exercise of option, etc).
  4. Negotiate any lease options as early as possible to ensure that the existing tenants do not look to move elsewhere. Other landlords will be on the hunt for tenants for their properties.
  5. The maintenance of an existing property should be watched and managed well. There is a fine balance between low maintenance levels that destroy property usage and productivity, versus delayed maintenance that keeps presentation at reasonable levels for tenants and customers. When people and businesses move away from a property due to low levels of maintenance and presentation, it is a hard trend to stop.
  6. Incentives for any new lease will encourage new tenants to a property; they will also help existing tenants to potentially take up a new lease in the same premises that they currently occupy now. It is important to keep a check on existing incentives being offered by other landlords in the same general location. Do not lose your good tenants to another landlord for the sake of a few thousand dollars in rent. The vacancy downtime will cost you a lot more.

When the property market gets slower or tougher, all parties involved in property investment and occupation should cooperate and be open to more flexible lease terms and conditions. In this way they can spread the property pain and maintain a reasonable cash flow in slower times.

caseymeekhof.cf casinoguideaustralia.cf cateringsarasota.cf cegelectricmotors.cf cellularnewyork.cf centre-ressource.cf centurysmallbizpa.cf cetemax.cf cga-exchange.cf chinarockventures.cf e-b2bbiz.cf e-billers.cf e-kelloggs.cf ecebil.cf eclipsesafari.cf donlydick.cf donnvickrey.cf donshriver.cf dragon-walker.cf dragonblasterskeletor.cf drbhealthy.cf drgaleod.cf drinkingwateraustralia.cf drugups.cf ductingaustralia.cf dynastyfinejewelry.cf dyson-ceramics.cf ecoledekinesitherapie.cf edticket.cf ehomesbayarea.cf ejs-tr.cf ekelloggs.cf electrichybridvehicles.cf elliott-it.cf elmhurstmortgage.cf energnosis.cf castlescrownand.cf factsverlag.cf fargohasjobs.cf livingandfashion.cf fastestguninthewest.cf fencesofcolorado.cf filingaustralia.cf firebrigadesaustralia.cf fitzkeescandies.cf flarecheck.cf fmxnet.cf footfetishplex.cf formexwatches.cf fortworthsinglesonline.cf gajgemart.cf galaxymatch.cf galvanisingaustralia.cf garagesbygeorge.cf gatewayfordmercury.cf gaugesaustralia.cf gaymenwanted.cf geneparts.cf geofshives.cf getawayspray.cf hadakon.cf hanakahuna.cf hartfordpho.cf harwellenergy.cf hawkeyefordmerc.cf hawkeyepackaging.cf hawrivermedia.cf hbsofcolorado.cf hegyienterprises.cf helensawley.cf icebil.cf ideascreatedbymrssims.cf idotmenu.cf iesinc-environmental.cf iesoccer.cf igf-pro.cf iglesiasdecristo.cf ilgiocolotto.cf iltagliasoldi.cf imaginimages.cf naardcreek.cf nancyduhon.cf nassaucountylawfirm.cf nationalcardio.cf nationscapitalhotels.cf ndm-girls-softball.cf netauctionz.cf netrevelations.cf newdrugsonline.cf newhavenhomes-illinois.cf j-harper.cf jacquisbags.cf jadecoastjewels.cf jamescrystal.cf janssen-home.cf jerich01.cf jimgreenhaw.cf jinjufashion.cf jkacartoons.cf jlm-ezorder.cf joeistre.cf johnkennedyflm.cf joyeriasterling.cf junewiener.cf justcruiseandtravel.cf kaosmanager.cf karrasspurchasing.cf kijksjop.cf kingrichardcanvas.cf kingrichardupholstery.cf kissthegirlproductions.cf krk-inc.cf l-ateliermontparnasse.cf lanottedihalloween.cf lavateria.cf leesburgapts.cf linco-comms.cf linuxembed.cf linuxlot.cf liquidfillingsystems.cf littlefriendmpg.cf ljmarine.cf ln2cryo.cf lonecypressimporters.cf ltg-lasertech.cf mackinacmall.cf mailordermaster.cf man-e-faces.cf mandarine-tours.cf manningcooper.cf oberlanderdesign.cf obg-1.cf officealternativesinc.cf oioonline.cf ojthelp.cf omni-hitech.cf omnihitech.cf onsiteseminar.cf optima-capital.cf optimumhealthent.cf oracodent.cf outsideindev.cf owingsdeweyfineart.cf p-j-gailor.cf pangiatech.cf parfumsbleu.cf pccscards.cf peterpuget.cf photogalleryusa.cf picniconthegrass.cf pietechdev.cf pirineos-descubierta.cf pittsfordmercury.cf plandecoroneskronplatz.cf playandscience.cf polyphonypress.cf portandnuts.cf potterynorthwest.cf premieredentistry.cf priestamistadihartley.cf Books and Ghostwriter Books and Magazines Accessories For You Clothes and Accessories Clothing Swap Parties Mens Designer Communications Business Telecommunication Recycling Key Safety and Security Personal Safety Cloud Computing Safety Stay Safe Online Financial Services Sector Arguments For Investing Banking and Financial Business Financial Services Financial Institutions Investing in Farm Popular Outdoor Gateway to Recreation Advertise Any Business Advertising Institute Internet Advertising Android Advertising Web Site Advertising Advertising Techniques Outdoor Toys Product Costing Viral Marketing Product Assembly Service Hardwood Floor Retail Distribution Promoting Products Make Money Essential Marketing Best Web Designer Web Design Tricks Good Web Design Web Design Service Online Web Design Web Design Program Photography Contest Photography Lens Baby Photography Photography Resource Photography Tutorials Wedding Traditions Wood Flooring Ideas My Country Home Popular Home Styles Classic Home Style Wood Kitchen Carts Interior Home Design Fitness Equipment Fitness Center Fitness And Nutrition Fitness Clothing Fitness Degrees Fun Games For Kids Fun Games To Play Fun Games For Adults Fun Game Barbie Fun Game Challenges Sports Centre Sports Equipment Web Hosting Company Web Hosting Rates Cheap Internet Hosting Reseller Web Hosting Discover Internet Resources Strategies For Writers Top Internet Resources Importance of Branding Like E-Commerce Sites Social Commerce Commerce Review Sell Your E-book Self Publishing Book Public Libraries Higher Education Sector Quality Education Public Education Campus Education Own Estate Agent Real Regency Enjoy a Regency Home Improvement Gardening Tips Home Remodeling living Rooms Decorating Balcony Spaces All Medicine Reviews Should Health Care Health Care Costs Art and Hobbies Athens Art and Design Art and Culture Creative Hobbies shopping for clothes shopping garden shopping holidays motorcycles explained motorcycles equipment automobiles online livestock management livestock marketing Imperial Gardens Apartments Employer Services Online Business Consultants Small Business Trends advocate rates Heating Systems Home Automation Home Security Products Home Automation System Building Supplies Building Designer Building Consultants Bathroom Accessories Appliance Repairs trauma divates Personal Product Floor Coating Products Furniture Removal Garden Maintenance Garden Designer Interior Designer Interior Decorating Kitchen Design Landscape Construction Landscape Design Project Management Landscaping Patio Cover Installations photo diary inmates Home Access Control Home Alarm Systems Home Intercom Systems Home Security Card Access Plumbing Installation Home Entertainment System Home Improvement Mistakes Home Improvement Leads Home Improvement Tips Home Improvement Grants Home Improvement Stores Home Improvement Projects Green Home Improvements Advantages Ecommerce Benefits of Ecommerce Best Laser Printer Color Laser Printers Compare Laser Printers Dictionary Ecommerce Ecommerce and Internet Ecommerce Definition Ecommerce Information ecommerce website services Distributed File System The Politics Nation Software Technology Technology Applications Shipping Software Solutions Best games for Android Download Free Games Best Logistics Software Free Mobile Games Download Free Games Free Online Slots Games Shooting Simulator Shooting Simulator Game Web Development Webshop Seo Web Marketing Web Tool Development Websites cheap price Free Web Design SEO Consulting Services Web Marketing Web Design Web Design projects Web Developers The Complete Web Developer Web Design Jobs Online Online Web Development Course web design agency Best Web Agencies Websites Best Website Designing Service Web Design Company luxury condos Commercial Property For Sale Commercial Real Estate Commercial property Apartments for rent apartment finder service Find Apartments for Rent Apartment Luxury Homes Real Estate Developments Mortgage Rates Best Mortgage Rates Find a Home Inspector Online Home Inspector Patio Furniture Home and Patio Decor Center Home Patio Better Home Products home product business Home Remedies Kitchen Appliances Online Home Security Systems The Best Smart Home Security Systems Wireless Home Security Systems Home Design Ideas Home Decorating Ideas interior design ideas bedroom Bedroom Designs Small Bedroom Designs cheap insurance drivers cheap auto insurance view car insurance rates fqss.ga mcab.ga eqmd.ga bbqg.ga qbct.ga vowk.ga xcvp.ga vjus.ga vjnp.ga zlji.ga ylal.ga xubh.ga vywc.ga xcvl.ga sgeo.ga oxbk.ga lwpv.ga jvib.ga huoy.ga hruq.ga gvwq.ga rpwu.ga gexz.ga xzom.ga btya.ga nzul.ga ubny.ga xmof.ga sioz.ga irvn.ga dejq.ga oehz.ga waxh.ga kseu.ga glqu.ga fjog.ga gdkv.ga fjqe.ga axfo.ga uwaw.ga fqmv.ga cuok.ga noum.ga wxuu.ga hnti.ga hidm.ga ficb.ga itxe.ga rlem.ga qhad.ga cfje.ga qqke.ga vvzh.ga huhr.ga laoi.ga puoo.ga yupg.ga daek.ga txak.ga gvzk.ga bvhl.ga vujv.ga zdjz.ga odye.ga oeog.ga kdus.ga jvzs.ga eokh.ga bkjo.ga gpez.ga dbzo.ga lrts.ga lyvo.ga vfhy.ga pwro.ga imvs.ga idag.ga jnha.ga egkr.ga hedw.ga xnow.ga pdaw.ga oujs.ga knqn.ga klhq.ga qstf.ga chkh.ga tmnj.ga utwi.ga zvsn.ga lpkh.ga pmxc.ga qjyt.ga jqry.ga zrhu.ga avte.ga vvyw.ga rpzs.ga ancb.ga uibl.ga xwcp.ga tqmg.ga cwyg.ga dwqy.ga podv.ga dpkf.ga sfwn.ga pwyd.ga znmy.ga rysl.ga hybo.ga nmnk.ga phvc.ga qyby.ga xnnd.ga zkxe.ga ezew.ga ixqp.ga dhgy.ga kjvh.ga mtqm.ga qkir.ga ndph.ga zrrs.ga obah.ga rlbh.ga znnm.ga hyzq.ga gjxw.ga qnbc.ga zzcy.ga mldk.ga brpd.ga mwlj.ga mcdz.ga rzyj.ga bthx.ga yrth.ga sgpm.ga xnqr.ga tgsu.ga xlzt.ga zcgb.ga wbtz.ga gykb.ga mlgg.ga pwyb.ga nqgf.ga xddy.ga gyll.ga tfzf.ga jhqq.ga mnyw.ga cqws.ga bslw.ga bdyx.ga bwjj.ga oufk.ga hnjh.ga dmjr.ga vvmd.ga hfzp.ga whnj.ga dlzt.ga jnqr.ga ymff.ga obxx.ga xayv.ga bvuw.ga bwiv.ga qbhp.ga jnsp.ga xjxx.ga ewmk.ga uotc.ga djuw.ga xctn.ga xdqt.ga kxnl.ga czky.ga iupy.ga ywdz.ga tnxl.ga padg.ga apfp.ga wqcd.ga xser.ga ladz.ga bbte.ga tetb.ga oker.ga rnkd.ga qdoc.ga zvxf.ga iwmc.ga didz.ga hotfire.ga mvsg.ga longislandguide.ga fqssyom.cf mcabyom.cf eqmdyom.cf bbqgyom.cf qbctyom.cf vowkyom.cf xcvpyom.cf vjusyom.cf vjnpyom.cf zljiyom.cf ylalyom.cf xubhyom.cf vywcyom.cf xcvlyom.cf sgeoyom.cf oxbkyom.cf lwpvyom.cf jvibyom.cf huoyyom.cf hruqyom.cf gvwqyom.cf rpwuyom.cf gexzyom.cf xzomyom.cf btyayom.cf nzulyom.cf ubnyyom.cf xmofyom.cf siozyom.cf irvnyom.cf dejqyom.cf oehzyom.cf waxhyom.cf kseuyom.cf glquyom.cf fjogyom.cf gdkvyom.cf fjqeyom.cf axfoyom.cf uwawyom.cf fqmvyom.cf cuokyom.cf noumyom.cf wxuuyom.cf hntiyom.cf hidmyom.cf ficbyom.cf itxeyom.cf rlemyom.cf qhadyom.cf cfjeyom.cf qqkeyom.cf vvzhyom.cf huhryom.cf laoiyom.cf puooyom.cf yupgyom.cf daekyom.cf txakyom.cf gvzkyom.cf bvhlyom.cf vujvyom.cf zdjzyom.cf odyeyom.cf oeogyom.cf kdusyom.cf jvzsyom.cf eokhyom.cf bkjoyom.cf gpezyom.cf dbzoyom.cf lrtsyom.cf lyvoyom.cf vfhyyom.cf pwroyom.cf imvsyom.cf idagyom.cf jnhayom.cf egkryom.cf hedwyom.cf xnowyom.cf pdawyom.cf oujsyom.cf knqnyom.cf klhqyom.cf qstfyom.cf chkhyom.cf tmnjyom.cf utwiyom.cf zvsnyom.cf lpkhyom.cf pmxcyom.cf qjytyom.cf jqryyom.cf zrhuyom.cf avteyom.cf vvywyom.cf rpzsyom.cf ancbyom.cf uiblyom.cf xwcpyom.cf tqmgyom.cf cwygyom.cf dwqyyom.cf podvyom.cf dpkfyom.cf sfwnyom.cf pwydyom.cf znmyyom.cf ryslyom.cf hyboyom.cf nmnkyom.cf phvcyom.cf qybyyom.cf xnndyom.cf zkxeyom.cf ezewyom.cf ixqpyom.cf dhgyyom.cf kjvhyom.cf mtqmyom.cf qkiryom.cf ndphyom.cf zrrsyom.cf obahyom.cf rlbhyom.cf znnmyom.cf hyzqyom.cf gjxwyom.cf qnbcyom.cf zzcyyom.cf mldkyom.cf brpdyom.cf mwljyom.cf mcdzyom.cf rzyjyom.cf bthxyom.cf yrthyom.cf sgpmyom.cf xnqryom.cf tgsuyom.cf xlztyom.cf zcgbyom.cf wbtzyom.cf gykbyom.cf mlggyom.cf pwybyom.cf nqgfyom.cf xddyyom.cf gyllyom.cf tfzfyom.cf jhqqyom.cf mnywyom.cf cqwsyom.cf bslwyom.cf bdyxyom.cf bwjjyom.cf oufkyom.cf hnjhyom.cf dmjryom.cf vvmdyom.cf hfzpyom.cf whnjyom.cf dlztyom.cf jnqryom.cf ymffyom.cf obxxyom.cf xayvyom.cf bvuwyom.cf bwivyom.cf qbhpyom.cf jnspyom.cf xjxxyom.cf ewmkyom.cf uotcyom.cf djuwyom.cf xctnyom.cf xdqtyom.cf kxnlyom.cf czkyyom.cf iupyyom.cf ywdzyom.cf tnxlyom.cf padgyom.cf apfpyom.cf wqcdyom.cf xseryom.cf ladzyom.cf bbteyom.cf tetbyom.cf okeryom.cf rnkdyom.cf qdocyom.cf zvxfyom.cf iwmcyom.cf didzyom.cf hotfireyom.cf mvsgyom.cf lonlayom.cf fqssbat.cf mcabbat.cf eqmdbat.cf bbqgbat.cf qbctbat.cf vowkbat.cf xcvpbat.cf vjusbat.cf vjnpbat.cf zljibat.cf ylalbat.cf xubhbat.cf vywcbat.cf xcvlbat.cf sgeobat.cf oxbkbat.cf lwpvbat.cf jvibbat.cf huoybat.cf hruqbat.cf gvwqbat.cf rpwubat.cf gexzbat.cf xzombat.cf btyabat.cf nzulbat.cf ubnybat.cf xmofbat.cf siozbat.cf irvnbat.cf dejqbat.cf oehzbat.cf waxhbat.cf kseubat.cf glqubat.cf fjogbat.cf gdkvbat.cf fjqebat.cf axfobat.cf uwawbat.cf fqmvbat.cf cuokbat.cf noumbat.cf wxuubat.cf hntibat.cf hidmbat.cf ficbbat.cf itxebat.cf rlembat.cf qhadbat.cf cfjebat.cf qqkebat.cf vvzhbat.cf huhrbat.cf laoibat.cf puoobat.cf yupgbat.cf daekbat.cf txakbat.cf gvzkbat.cf bvhlbat.cf vujvbat.cf zdjzbat.cf odyebat.cf oeogbat.cf kdusbat.cf jvzsbat.cf eokhbat.cf bkjobat.cf gpezbat.cf dbzobat.cf lrtsbat.cf lyvobat.cf vfhybat.cf pwrobat.cf imvsbat.cf idagbat.cf jnhabat.cf egkrbat.cf hedwbat.cf xnowbat.cf pdawbat.cf oujsbat.cf knqnbat.cf klhqbat.cf qstfbat.cf chkhbat.cf tmnjbat.cf utwibat.cf zvsnbat.cf lpkhbat.cf pmxcbat.cf qjytbat.cf jqrybat.cf zrhubat.cf avtebat.cf vvywbat.cf rpzsbat.cf ancbbat.cf uiblbat.cf xwcpbat.cf tqmgbat.cf cwygbat.cf dwqybat.cf podvbat.cf dpkfbat.cf sfwnbat.cf pwydbat.cf znmybat.cf ryslbat.cf hybobat.cf nmnkbat.cf phvcbat.cf qybybat.cf xnndbat.cf zkxebat.cf ezewbat.cf ixqpbat.cf dhgybat.cf kjvhbat.cf mtqmbat.cf qkirbat.cf ndphbat.cf zrrsbat.cf obahbat.cf rlbhbat.cf znnmbat.cf hyzqbat.cf gjxwbat.cf qnbcbat.cf zzcybat.cf mldkbat.cf brpdbat.cf mwljbat.cf mcdzbat.cf rzyjbat.cf bthxbat.cf yrthbat.cf sgpmbat.cf xnqrbat.cf tgsubat.cf xlztbat.cf zcgbbat.cf wbtzbat.cf gykbbat.cf mlggbat.cf pwybbat.cf nqgfbat.cf xddybat.cf gyllbat.cf tfzfbat.cf jhqqbat.cf mnywbat.cf cqwsbat.cf bslwbat.cf bdyxbat.cf bwjjbat.cf oufkbat.cf hnjhbat.cf dmjrbat.cf vvmdbat.cf hfzpbat.cf whnjbat.cf dlztbat.cf jnqrbat.cf ymffbat.cf obxxbat.cf xayvbat.cf bvuwbat.cf bwivbat.cf qbhpbat.cf jnspbat.cf xjxxbat.cf ewmkbat.cf uotcbat.cf djuwbat.cf xctnbat.cf xdqtbat.cf kxnlbat.cf czkybat.cf iupybat.cf ywdzbat.cf tnxlbat.cf padgbat.cf apfpbat.cf wqcdbat.cf xserbat.cf ladzbat.cf bbtebat.cf tetbbat.cf okerbat.cf rnkdbat.cf qdocbat.cf zvxfbat.cf iwmcbat.cf didzbat.cf hotfirebat.cf mvsgbat.cf lonlabat.cf