I don't think a major overhaul is needed. I just think the formulas and tables need to be tweaked.
It looks to me like Marcus has not devoted the time and energy in this area to make it good. I can understand this in that the other areas are probably more pressing.
If a couple of us can get access to how the game currently caluculates this info MAYBE we could adjust the formulas and the financials.txt file to yield more realistic results.
Again, without this access and interest, this is a dead end and a waste of time even thinking about it.
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