This mod aims the increase the difficulty of two area of the game I find a bit too easy. Banking and Fines.
=== Banking ===
I found that it was too easy to expand quickly because it is very easy to repay the largest loan and make a large profit at the same time. This should change that. You will only be able to take out the largest loan if you have a profitable company. I have also included more options because I felt that just having two was a bit restricting. I've also included a smaller loan amount for short-term emergencies (such as running out of petrol with no cash).
There are now four loan options:
10,000 Euros - 7 days - 10% interest.
100,000 Euros - 14 days - 24% interest
250,000 Euros - 21 days - 26% interest
400,000 Euros - 28 days - 28% interest
=== Fines ===
In the vanilla games, it is very easy to shrug off fines. If you are doing a 25,000 Euro job and you crash into another vehicle it doesn't really matter because a fine of 550 Euros isn't really going to dent your finances much. This mod will change that.
Vehicle Crash - 5,000 Euros - probability of getting caught slightly increased.
Avoid Sleeping - 1,500 Euros - probability of getting caught slightly increased.
Wrong Way - 250 Euros* - probability of getting caught reduced.
Speeding - 1,000 Euros
No Lights at Night - 500 Euros* - probability of getting caught increased.
Running a Red Light - 1,000 Euros - probability of getting caught slightly reduced.
*These a comparitively low because they are easy to do accidentally (e.g. turning at a junction).
It can be downloaded from the official SCS forums:http://forum.scssoft.com/viewtopic.php?f=34&t=1858&p=4923