Crypto Kingdom - 1991 Retro Virtual World(City)

[noms]

New Borough 23 Opens

The land between Boroughs "Old Town" (1) and "The University" (3) has been targeted for expansion for decades. It is a flat and dry plain with the ability to quarry stone, and is perfect for building. In the center of the borough is a 20m wide road existing since 1560 (fully paid for) that leads directly from the west of Borough 3 to the east of Borough 1.  This is prime land and previously was not open due to council gridlock, tax questions, and funding options.

Available for sale - 1,000 S-B23 and the borough unlocks!

The Project B-23, like Project B-22, is structured as a corporation. It will have some important rules:

- Gaining shares of this corporation happens in the way the has been decided by the town council (HM_The_King, moneromooo, Roopatra, SirJacket, and sphericon).  You will be able to purchase shares in a much quicker fashion than B-22 shares were offered. Once the shares are gone, things will move quickly! There are two ways to purchase shares:

  a) cold hard cash (moneretos) - 13 mil per share
  b) stone - 100,000 stone per share.  

- All proceeds from the shares acquired go to the Corporation - B23 Opening Corp.
- After all 1000 shares are sold, the Corp will quarry 3 of the highest level chapelries to generate stone
- Once this is complete, the shares would be converted to lots in the quarried chapelries (with the exception of the 20x150 m horizontal road in 23-E, 23-C, and 23-W that has existed since 1560 and is fully paid for).
- Further information about the other chapelries will be disseminated as it becomes available.
- Once all chapelries and lots have been sold, the company will start the wind-down process.
- If you don't convert your shares to lots you can expect to receive monetary dividends as well as stone dividends.
- Once this is complete, the corporation will be liquidated (it only exists as a vehicle to manage the borough anyway)
- The Corporation, unlike the one running borough 22, will be governed solely by the town council and ultimate say over it will be determined by The Mayor (SirJacket).
- The shares are free-trading.

The first 500 of the shares will be listed as for sale by the corporation, and the next 500 will be reserved as redeemable for stone. If the shares for sale sell out quickly for m, more will be allocated from the 500 stone-reserved shares until an adequate amount has been brought to market to satisfy demand.

Value of the land

Since the only place with connected boroughs is the area 1-23-3, it is right to say that the land is extremely centrally located.

Directly west of this, in Borough 1 (Old Towne), is a 600 sqm property listed at 1.4 bil moneritos. This works out to 2.33 mil per sqm (this includes a building, so actual price for land should be lower). A 180 sqm garden in the very east of B1 is also near, and works out to 1.38 mil per sqm.   On the other side (University Borough, B3) there are lots that recently have been sold for 200 mil and are 400 sqm. This works out to 0.5 mil per sqm.  An average price is 940k/q, so this values the borough at a range of something between  20-127 bil m. This should help in determining aftermarket share price.

How to buy:

1) Visit the share page to purchase up to 500 of the 1000 shares at a preset market value of 13 mil.
2) Give stone to the user 282 in increments of 100k. If the amount of stone shares is sold out, any stone given in excess of available shares will be returned to the user that sent it. Shares will be sent at the end of the year, each year.

• Example command: GIVE STO1 100000 282

NOTE: COUNCELLORS WILL BE WAITING EXACTLY 1 HOUR FROM THREAD POST TIME BEFORE DOING ANY PURCHASES.

[rpietila]

Coinshop CON update

Coinshop has increased the CON marketmaking "density" with the hopes of gaining more investors to CON. Until now, there has been excellent bid side in CON by willing buyers, but the attempt to acquire a number of them by any means has been difficult.

The density is now such that (in absence of other asks), a purchase of 10*CON will move the price by 1%. This is about 175 mil.

CON has been the star investment: in 21 years its price has doubled (3.4% APR). This has been a stagnant period for most other investments.

[MoneroMooo]

Citizens, we must cover the Closing Obelisk in 2-C with Silver! Located in Trust In Economy Square, this obelisk was built in 1599.

It is not yet known how much CKS we need to cover the obelisk, as silver is not as malleable as gold. We are going to need as much as we can get!

Everyone is hereby encouraged to donate as much CKS (or IC) as they can for coating the Obelisk in silver. If you want to donate IC, the conversion rate is 2:1 CKS:IC, for example 2500 IC would get 5000 CKS.

The Silver obelisk was created at least, thanks to the donators.

https://cryptokingdom.me/marketplace/item/BFS-60

The list of donators doesn't appear nicely as the newlines are ignored by the software, but this may be fixed in time

[Syksy]

Citizens, we must cover the Closing Obelisk in 2-C with Silver! Located in Trust In Economy Square, this obelisk was built in 1599.

It is not yet known how much CKS we need to cover the obelisk, as silver is not as malleable as gold. We are going to need as much as we can get!

Everyone is hereby encouraged to donate as much CKS (or IC) as they can for coating the Obelisk in silver. If you want to donate IC, the conversion rate is 2:1 CKS:IC, for example 2500 IC would get 5000 CKS.

The Silver obelisk was created at least, thanks to the donators.

https://cryptokingdom.me/marketplace/item/BFS-60

The list of donators doesn't appear nicely as the newlines are ignored by the software, but this may be fixed in time

I've typically used // to separate such newlines in ART-##, as is typical in poetry makes it easier to read. But aye, I've been struggling with that newline issue too when trying to write ART descriptions.

PS. Hooray! Obelisk! Wee!

[rpietila]

New NPCs: WOR-1/2/3/4, ENG-1/2/3/4/5,   ENG conversion, STO deallocation, Max prices for STO, WOS-items

The heyday of allocated stone by borough (with Building module open 1570s - 1605) has passed. We are moving back to allocated stone, but so that the allocation is by town/county. Stone remains to be exceedingly costly to transport great distances due to its weight. Therefore, quarrying in the area of the Town will continue. All stone in town will be STO1 soon! The transport cost will be added to the construction labor cost.

Quarry will be opened soon with rules similar to Q2 (allocated NPC required to operate quarries). Stocking up on MGN points now costs money but there is no opening a quarry without them when it starts soon!

A quarry is also an incredible labor point hog. In the heyday of Quarry-1 (1522-1540s), 1,000+ NPC were working in quarries at the same time.

A new line of NPC has been opened, WOR-1...WOR-4, ENG-1...ENG-5, in which WOR produce 1-4 WP (labor points) and engineers produce SCI.

OTH has been converted to WOR 1:1.

It is possible to accredit SPE and MGR in all the levels (1-5) to ENG in the same level. This is a one-time conversion opportunity ending end-November (Saturday). So if you have eg. a MGR-2 that is not needed and not saleable, convert him to ENG-2 for SCI! Admins help.

Old ann repeated: according to info we have, the mercenaries stay until next retire round (end-1628) and then the same number (minus casualties only, so far none) goes back to their country. The d20 can still alter this outcome, but if any of them stay, at least the muskets need to be redeemed at the same price as domestic production.

The latest style of wool suits and clothes (WOS-A1...WOS-G until 1634) will have nominal prices at which the profitability of tailors is calculated, and maximum prices at which unlimited quantity of the suits is available until the production can meet the demand. (the hungryMob has been messing the markets at random which will now decisively end). The maximum price is 1.6*nominal. This also happens to stone, which is available from near peasants in unlimited quantity at 160.

Counties will be able to start the quarrying of stone when they reach ~50 PRE. At this time, the labor used will also start to accrue to the county's own economy pool. As the necessary advances are unlocked, the stone can be used for roads and forts, or stockpiled for needs in the new town in the county. If paying the workers feels like a stupid idea, it is possible to get tax shares S-STOx as well, which are forced labor quarries.

All stone in the counties now, will be converted to STO1 and remains in CryptoTown (you can move it back to "your" character or where it came from, or convert S-B23 with it) and will not be used in PRE anymore. Other components of PRE accumulation remain the same for 1626 at least.

[rpietila]

Uses for NPC, weapons etc.

Again, take a look at my yesterday masterpiece, the complete stats sheet (updated) for all NPC (tab /NPCtypes).

This list below is incomplete, highlights only.

Manager line (MGR-1...MGR5) produce management points, which are needed in economic subgames (more coming). Currently:
- large households/organisations ("magnificence")
- counties
- research projects
(- quarry
- building)

Assistant line (ASS-1...ASS-3) produce assistant points, same purpose as above.

Worker line (WOR-1...WOR-4) produce labor points, for county PRE, quarry, building.

Officer line (LT...COL) produce Command to lead army units (small garrisons do not require officer, NCO is enough).

Soldier line (PTE...MSG) produce FP, the fighting strength of the army.

Weapons and horses (CANN, MKT, PIS, H1...H9) increase the BV of the army. Horses also increase mobility in transit. Officers will spawn their horses (H1...H5) to owners, after which officers need to be accompanied with them separately. Also troops may be accompanied with horses. MKT (musket) is a weapon for foot soldiers, PIS (pistol, to be researched) for shock cavalry. All soldiers without an implemented weapon will use their personal (side)arm, typically a short/longsword (bad quality) or a pike. Archers are being phased out due to advances in technology. Soldiers (PTE, CPL, SGT and MSG) can use all weapons fungibly. Mercenaries will leave end 1628 with their weapons, unless d20 shows otherwise.

In addition to army, horses are needed for riding (level promotion benefit for L5 or higher) and carriages (for L6 and higher - benefit does not mean requirement). Also the estates and possible in-town farms will need horses. It is yet undecided whether mobile military units (Regiments, and lighter RRF troops) will be separate characters.

Tailor line produces suits and clothes, each type producing its own color with progression to WOS-A1 (Blue). Then a small number is promoted to TAI-8 (and TAI-9) which produce S-WOS, individual suit labor points. These can be used only by The North Face Company (HH The Duke), and have a spoil%, so please sell either the TAI-8 or the points to the duke for maximum benefit.

All the other lines produce m, CUL+IC and SCI in variable amounts and combinations, which are all now 100% spelled out in the NPC datasheet. They may and do change, but significant changes are announced, and the datasheet is the master and thus always correct.

CryptoTown Map

Check out /Map, for the map of the 1600-era Cryptotown, with the extent of 225 chapelries, of which:
- 19 densely built
- 25 opened for building
- 32 ready to quarry/farm plains
- 62 ready to farm plains (geology not assessed)
- 17 hard plains (good for building tall structures)
- 18 forested
- 9 forested (unimplemented not inside the 25 boroughs)
- 21 swampy (unhealthy, ungood for building, unfarmable and unquarriable)
- 9 wet (ungood for building, unquarriable)
- 1 "mountain" peak
- 9 hard hilly (no vegetation)
- 24 hilly (lightly forested)

Most of the new plans require that the advance of Urban Construction (completion of B.22 SCI project, 530/1000) is ready!

[noms]

New Borough 23 Opens

The land between Boroughs "Old Town" (1) and "The University" (3) has been targeted for expansion for decades. It is a flat and dry plain with the ability to quarry stone, and is perfect for building. In the center of the borough is a 20m wide road existing since 1560 (fully paid for) that leads directly from the west of Borough 3 to the east of Borough 1.  This is prime land and previously was not open due to council gridlock, tax questions, and funding options.

How to buy:

1) Visit the share page to purchase up to 500 of the 1000 shares at a preset market value of 13 mil.
2) Give stone to the user 282 in increments of 100k. If the amount of stone shares is sold out, any stone given in excess of available shares will be returned to the user that sent it. Shares will be sent at the end of the year, each year.

• Example command: GIVE STO1 100000 282

Update on the S-B23 share situation

At the moment, 395 shares have been claimed by stone deposits, and 199 shares have been purchased. This leaves us with a total of 406/1000 shares remaining. This has been in about 14 hours. If you are thinking about getting any shares of Borough 23, I wouldn't wait if you want to get in on the initial purchase.  The town is hoping to open this borough as soon as possible!

To further expedite this process, all Councillors+WM cannot deposit any more stone, and the window for others will be open for 24 hours from this post.  Once that window has closed, the only way to acquire B-S23 shares will be with m.

[djjacket]

New Borough 23 Opens

The land between Boroughs "Old Town" (1) and "The University" (3) has been targeted for expansion for decades. It is a flat and dry plain with the ability to quarry stone, and is perfect for building. In the center of the borough is a 20m wide road existing since 1560 (fully paid for) that leads directly from the west of Borough 3 to the east of Borough 1.  This is prime land and previously was not open due to council gridlock, tax questions, and funding options.

Available for sale - 1,000 S-B23 and the borough unlocks!

The Project B-23, like Project B-22, is structured as a corporation. It will have some important rules:

- Gaining shares of this corporation happens in the way the has been decided by the town council (HM_The_King, moneromooo, Roopatra, SirJacket, and sphericon).  You will be able to purchase shares in a much quicker fashion than B-22 shares were offered. Once the shares are gone, things will move quickly! There are two ways to purchase shares:

  a) cold hard cash (moneretos) - 13 mil per share
  b) stone - 100,000 stone per share.  

- All proceeds from the shares acquired go to the Corporation - B23 Opening Corp.
- After all 1000 shares are sold, the Corp will quarry 3 of the highest level chapelries to generate stone
- Once this is complete, the shares would be converted to lots in the quarried chapelries (with the exception of the 20x150 m horizontal road in 23-E, 23-C, and 23-W that has existed since 1560 and is fully paid for).
- Further information about the other chapelries will be disseminated as it becomes available.
- Once all chapelries and lots have been sold, the company will start the wind-down process.
- If you don't convert your shares to lots you can expect to receive monetary dividends as well as stone dividends.
- Once this is complete, the corporation will be liquidated (it only exists as a vehicle to manage the borough anyway)
- The Corporation, unlike the one running borough 22, will be governed solely by the town council and ultimate say over it will be determined by The Mayor (SirJacket).
- The shares are free-trading.

The first 500 of the shares will be listed as for sale by the corporation, and the next 500 will be reserved as redeemable for stone. If the shares for sale sell out quickly for m, more will be allocated from the 500 stone-reserved shares until an adequate amount has been brought to market to satisfy demand.

Value of the land

Since the only place with connected boroughs is the area 1-23-3, it is right to say that the land is extremely centrally located.

Directly west of this, in Borough 1 (Old Towne), is a 600 sqm property listed at 1.4 bil moneritos. This works out to 2.33 mil per sqm (this includes a building, so actual price for land should be lower). A 180 sqm garden in the very east of B1 is also near, and works out to 1.38 mil per sqm.   On the other side (University Borough, B3) there are lots that recently have been sold for 200 mil and are 400 sqm. This works out to 0.5 mil per sqm.  An average price is 940k/q, so this values the borough at a range of something between  20-127 bil m. This should help in determining aftermarket share price.

For those who have been collecting B-22 Shares and would like to jump into B-23 instead of waiting for B-22 to complete. 
The Duke of North Face is offering a 3:2 trade opportunity to trade your B-22 shares for B-23 shares.

Convert your B-22 shares you obtained from SCI contributions for B-23 shares above!

[noms]

New Borough 23 Opens

The land between Boroughs "Old Town" (1) and "The University" (3) has been targeted for expansion for decades. It is a flat and dry plain with the ability to quarry stone, and is perfect for building. In the center of the borough is a 20m wide road existing since 1560 (fully paid for) that leads directly from the west of Borough 3 to the east of Borough 1.  This is prime land and previously was not open due to council gridlock, tax questions, and funding options.

How to buy:

1) Visit the share page to purchase up to 500 of the 1000 shares at a preset market value of 13 mil.
2) Give stone to the user 282 in increments of 100k. If the amount of stone shares is sold out, any stone given in excess of available shares will be returned to the user that sent it. Shares will be sent at the end of the year, each year.

• Example command: GIVE STO1 100000 282

Update on the S-B23 share situation

All shares have been sold or traded from stone. Please do not give stone to the corp now, or it will just need to be returned to you. We will keep you informed with what's next in the very near future. Stay tuned!

[Roopatra]

ANN: Town Swipe Corporation Liquidation Dump will happen in 48hours!

The long dead and never-claimed players accounts have been swiped according to the rules into Town holding, the funds are to be used for the marketing of the game. Items will be sold all at once, into the highest bids available in 48hours.

Here is a link to view all items that will be sold: https://cryptokingdom.me/player/playerItems/248
Put up your bids for all the items you wish to buy and make sure to check and raise your bids just before deadline, if you don´t want to go home empty handed.

Everything the TownSwipe account owns will be sold into bids 48hours from this announcement. (practically it might happen a little bit late once an Admin arrives to the scene, but it will not in any case happen before the 48hr deadline has closed)

Remember the auction closes 48hours from the post. About 13 hours left. Get your stuff cheap and support the game!

[Syksy]

It sounds epic! 

It is also open for anybody at
https://cryptokingdom.me/player/register


There's a day-by-day starter blog on how to build up your character from nil initial investment at:
http://marttick.blogspot.com/2016/01/the-adventures-of-martti-1-march-1622.html

And the Wiki is at (and open for contribution by any and all, as is typical for Wikis):
http://cryptokingdom.gamepedia.com

[noms]

Palazzo Casino Yearly Report - 1626

This is the 2nd report that the Palazzo Gaming Corp (PGC) has produced. This is mostly a formality, but also contains some information about the direction that the company wishes to go. It also includes information regarding dividends. These reports will be posted yearly. Check out the casino here: http://54.200.147.156/

Assets:

Last year, the company took stock of their assets. Included in the vault were:

- 3,971*CR1625E (19,855 CKG)
- 81,374*CT1625
- 594 mil in cash


At the end of 1626, the following assets exist in the company vault:

- 4,226*CR1625E (21,130 CKG)
- 85,378*CT1625
- 553 mil in cash


Revenue change since last year:
CKG: +1275 (1,147,500,000m)
CT1625: +4004 (180,180,000m)
m: -41 mil

This gives us a net gain from 1626 of 1,286,680,000m. This works out to +128,668m per share for the yearly PPS. A fine year indeed!


Dividends:

PGC will not be issuing dividends until the year 1640, unless huge surplus profits are realized.  It would not be fair to investors in the company to give dividends to the founders until the shares are equal. The poison-pill clause states that this will happen at earliest in 1640.

Game Announcements:

Diamond Quest is still under development. A massive sickness ricocheted through the Quest development team, putting progress back many months. A doctor has been dispatched and it looks like work will soon resume.

We are still planning to migrate to the new server. The site will likely be accessible from a subdomain of cryptokingdom.me.

There is also a rumor that a new game involving CAN may be in the works in future years, we will keep you posted!

========


      PCG
========

[rpietila]

NPCC - the new implementation of NPC's - Quest - Nice prizes!

The consumables have been produced in a distributed way for some time already, but there has been one oversized consumer only. This is changing with 200 NPC being implemented in one consumer account. There will be several accounts, with the same objectives and utility function, and the consumers will be pitted against each other to find the best deals from the producers, via the market!

Labor pool is funding each account with 200 mil per year, so you get to play with real money in a real market!! 7 people are sought to control these accounts and the Quest would start in the beginning of 1627 (next Monday). The consumes are packed in neat blocks with mainly a daily quota of food and drinks, and the annual quota of luxuries and suit situation. Playing the NPCC account is designed for login every day, though 1 day a week can be skipped without the penalty becoming extreme. Once a week a longer time need to be spent to optimize the wines.

Manor lords etc. are NOT excluded. This is a 3-year challenge only at this time, and prizes are good (King pays all prizes):

Winner with highest utility (consume points accumulated): Quest completed + medal
1-2 place: 50 CKG
3 place: 25 CKG
4 place: 15 CKG
5 place: 10 CKG
6 place: 5 CKG
7 place: something

The project sheet is in GameDB/NPCC, it is not yet final though, will be soon! If you enjoy playing this game, please enroll!

[Roopatra]

ANN: Town Swipe Corporation Liquidation Dump will happen in 48hours!

The long dead and never-claimed players accounts have been swiped according to the rules into Town holding, the funds are to be used for the marketing of the game. Items will be sold all at once, into the highest bids available in 48hours.

Here is a link to view all items that will be sold: https://cryptokingdom.me/player/playerItems/248
Put up your bids for all the items you wish to buy and make sure to check and raise your bids just before deadline, if you don´t want to go home empty handed.

Everything the TownSwipe account owns will be sold into bids 48hours from this announcement. (practically it might happen a little bit late once an Admin arrives to the scene, but it will not in any case happen before the 48hr deadline has closed)

TownSwipe dump has finished, and many characters now own new goods!
TownSwipe account made ~1200 XMR (mil) on the sales. The funds are earmarked for marketing of Crypto Kingdom.
A big thank you to all participants!

[rpietila]

Borough 22 - final push

Borough 22 borders to the west, the highest mountain in town, to the north, Old Town, in the east is the King's Esplanade and south is San Pietro. The town map is in /Map and borough plan is in /B22 (below).



To get the SCI conversion project finished, the following will be done:
- Split the shares 1:4 and conversion accordingly, to boost conversion.
- New conversion table effective 1627 onwards:

1 share = 4*SCI
2 shares = 12*SCI
3 shares = 24*SCI
4 shares = 40*SCI
5 shares = 60*SCI
6 shares = 84*SCI
7 shares = 112*SCI
8 shares = 144*SCI
9 shares = 180*SCI
10 shares = 220*SCI
11 shares = 264*SCI
12 shares = 312*SCI
13 shares = 364*SCI
14 shares = 420*SCI
15 shares = 480*SCI
16 shares = 544*SCI
17 shares = 612*SCI
18 shares = 684*SCI
19 shares = 760*SCI
20 shares = 840*SCI

- 50 SCI maps to 4 shares and 150 SCI to 8 shares as previously, with some left over.
- You can send any amount of SCI and the excess (not exactly fitting a price point) will be kept.
- No need to remove bids; the new share is a different item created by dividend.
- Once all the 4,000 shares have been issued, the land allocation starts without delay. Note that only 4/9 chapelries are immediately buildable, the rest will be quarried first, with up to 15 year delay in access to the land!
- The lots available, cost between 4 to 200+ (new) shares. Numbers in the map above are lot prices. If not indicated, lots cost 1 share (~4 mil per square (5x5 m).
- The rest of the practical things are listed in the /B22.

[MoneroMooo]

TownSwipe dump has finished, and many characters now own new goods!
TownSwipe account made ~1200 XMR (mil) on the sales. The funds are earmarked for marketing of Crypto Kingdom.
A big thank you to all participants!

Something is off. The changelog shows 8 properties swept in, but only 4 sold. Those unsold still show as owned by the Swipe character.

NPCC - the new implementation of NPC's - Quest - Nice prizes!
Winner with highest utility (consume points accumulated): Quest completed + medal
1-2 place: 50 CKG
3 place: 25 CKG
4 place: 15 CKG
5 place: 10 CKG
6 place: 5 CKG
7 place: something

The project sheet is in GameDB/NPCC, it is not yet final though, will be soon! If you enjoy playing this game, please enroll!

That sounds fun, I'm in

[MoneroMooo]

Something is off. The changelog shows 8 properties swept in, but only 4 sold. Those unsold still show as owned by the Swipe character.

Nevermind. The log is very confusing, showing a transfer of 0 items of that type (so no transfer), and there's another bug in the labelling, but I think it's actually OK.

Edit: https://cryptokingdom.me/land/lot/details/743 shows as own by the swipe char, but is likely owned by avitohol's heir (not sure who, as the changelog doesn't want to find dead people so I can check)

[equipoise]

Something is off. The changelog shows 8 properties swept in, but only 4 sold. Those unsold still show as owned by the Swipe character.

Nevermind. The log is very confusing, showing a transfer of 0 items of that type (so no transfer), and there's another bug in the labelling, but I think it's actually OK.

Edit: https://cryptokingdom.me/land/lot/details/743 shows as own by the swipe char, but is likely owned by avitohol's heir (not sure who, as the changelog doesn't want to find dead people so I can check)

Yes, it's Ernak's property now.

[rpietila]

The Hypothecary Bank Loan Offer to the buyers of S-B22

The Hypothecary Bank in CryptoTown has served the house owners for over a century. The business model is simple - long term bullet loans are given against a mortgage guarantee (meaning a lot is marked such that you cannot sell it before paying back, and if you don't pay, Bank takes the lot).

Usually, 50% of the raw land buy price is accepted as guarantee. In case of B.22, the conversion from shares at a listed price makes it possible to offer the loans based on the share price (S-B22). Since the share is not consumed in the process, 40% of the share price can be used as guarantee.

Hypothecary Bank has been struggling with operational costs. This time we offer the deal to every new landowner in B-22 at the same terms and same parameters. This makes it possible to squeeze the loan administration cost to the minimum.

Every loan will have the same terms:
- 25 years
- mortgage to the lot
- loan amount: 40% of the conversion price * share price
- administration fee: 1 mil including awarding and regular payback of the loan
- interest rate 1.2%
- early repayment possible against 5 mil fee and the payment is discounted to the present using CON midrate.

For instance, if the share price of B-22 is 4 mil (new shares), loan amount would be 1.4 mil per share. A purchase of 9 squares (225 sqm) from the small lot area, would give a loan of 9 * 1.4 mil = 12.6 mil (this much you get). The payback amount would include the 1 mil + the interest for 25 years, as follows: (12.6 mil + 1 mil) * 1.012^25 = 18.325 mil. The effective interest rate is 1.51% (if the amount is bigger, tending to 1.2%).

[kronicblazer]

NPCC - the new implementation of NPC's - Quest - Nice prizes!
Winner with highest utility (consume points accumulated): Quest completed + medal
1-2 place: 50 CKG
3 place: 25 CKG
4 place: 15 CKG
5 place: 10 CKG
6 place: 5 CKG
7 place: something

The project sheet is in GameDB/NPCC, it is not yet final though, will be soon! If you enjoy playing this game, please enroll!

I would be interested as well