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At one point our number one tester managed to win the game by just using loans. Take one loan, then pay it off with another, then us increased credit for bigger loan, etc etc.
We have to walk a fine line of balance vs access. The game has to be accessible enough without becoming a cake-walk. In this case we should tweak our economy a little to dissuade people from simplifying it so much.
Thank you for keeping us on our toes!
All seemed about right to me, but no scamming the money-lenders!
Something missing from the game, would be countries selling arms and not the gun runners. It's nice competing against other runners, but it's the countries that sell weapons, being a middle man in the end is smaller.
Consider adding random events like disease and political elections- as well as other kinds of problems. Knowing the budget of each country would be great. Just because they have a demand, or desire for arms, does not mean they can afford it. Defective arms do pop up. Bullets should have a price. Making sure you sell the and equip the right kind of bullets for the right arms would be important.
Something further that can be added, are things such as bullet factories, parts factories. Embargo's and Sanctions. Brass and matariels for weapons come from some place. If there is a war, prices go up.
The United Nations get them. NATO and other organizations that could make things interesting.
One last thing....
I know this is not the place, but I figure you will be reading.
Add South Africa to the seller of arms. They sell a range of weapons, tanks UAV's and other things. They sell a 20mm rifle as example, and one of the worlds best attack helicopters the Rooi Valk.
Take out a loan for 20 or 30 days. Even if you end up paying more. Try sell arms during the 24 hour pause. Just tweak the guide, look where wars are, something in the EU may be lucky event, but it does happen.
I do agree with step 4. Trying to dig yourself out of a hole with 5 tons of cargo capacity is a royal pita.
A suggestion: Make it so that loan sharks are not automatically available. You must 'discover' them as you travel from nation to nation. There should be a random determination made as to whether a shark will be available. ARIES could give you a heads up...
I think a similar rule for paying the bribes to get information about a client nation's demand for various types of arms would be good. i.e. You must visit a nation before you can pay the bribe for the arms demand. . Perhap you should have to repay this bribe every time you leave a nation and revisit it later? Circumstances do change.
The loan system was also meant to be a possible mini game to see how high you could pyramid your loan debt; it doesn't count for achievements or leaderboards if your money is just from a loan though (except for the Most Wealth Loaned leaderboard). It was originally capable of going indefinitely, so I had to change its design to make loans still be useful for game play and pryamidable for a mini game.
This together with the current loan system (that i rarely use, so don't know personally) has probably created this situation.