Difference between revisions of "Economy"

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(Created page with "(Page summary) ==Food== ''Main Article: Food (Summary) ==Trading== ''Main Article: Trade'' (Summary) ===Markets=== ''Further information: Trade#Market'' (Sum...")
 
(Condensed the sections; Filled in taxes and currency; Partially filled food/investment; Reworked bank.)
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(Page summary)
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<!--Page summary to be added here.-->
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==Food==
 
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''Main Article: [[Food]]
 
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(Summary)
 
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==Trading==
 
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''Main Article: [[Trade]]''
 
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(Summary)
 
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===Markets===
 
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''Further information: [[Trade#Market]]''
 
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(Summary)
 
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===Black Market===
 
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(Full details)
 
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==Bank==
 
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Each [[realm]] has its own bank, located in its capital with branches in any and all cities.  Their primary use is to convert your bonds into gold, or vice versa.  For the sake of simplicity, [[taxes]] are handled by the banks, and all the tax proceeds are given to troop leaders as bonds instead of sending out runners to deliver the physical gold.  Banks can also handle transfers of gold within the realm, though the sender must be present at the bank in order to sign the necessary forms. 
 
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Bank employees are willing to handle transfers in small amounts, but the processing fees are large as a fraction of the total transfer.
 
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Banks are the key to a smoothly running medieval economy, but still are not as developed as one might hope: there are no agreements between banks for rate of exchange of bonds, for example.  The only way to send gold to another realm is to load it into a cart and physically carry it to that realm's capital, where the main branch will happily take the gold and send bonds representing it to any troop leader of that realm.
 
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The only exception to this is that troop leaders may send bonds to their [[family]], even when their family is in another realm or another island altogether.  In this case, the troop leader sets aside a bank transfer to be picked up by an agent of the family.  This agent will take care of securing the gold from the bank, and arranging for it to be transported to the family manor.
 
  
 
==Currency==
 
==Currency==
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''Main article: [[Currency]]''
  
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(Summary of below)
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There are three currencies in the game: [[Gold]], [[Silver]], and [[Bonds]]. Most transactions will take place with the use of gold. Gold is used to recruit troops, repair equipment, train at the academy, and much more. There are a few ways to gain gold but the two most common ways are through collecting taxes and from looting. Silver is not used by nobles but is used by adventurers. Twelve silver is needed to equal a single gold. Bonds are pieces of paper that represent gold in a one-to-one ratio. Bonds can not be used to make purchases but they are the main method of sending currency to another person. This is done by visiting a bank, located in the capital and all cities. When taxes are distributed if you are not in your duchy then you will receive your tax income in the form of bonds instead of gold.
  
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===Gold===
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===Bank===
  
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(full details, move gold to here)
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Each [[realm]] has its own bank, located in its capital with branches in any and all cities.  Their primary use is to convert your bonds into gold, or vice versa. When taxes are distributed, if you are not in your duchy then you will receive your income in the form of bonds. Banks can also handle transfers of gold within the realm. Small transfers require the payment of a small fee. The only way to send gold to another realm is to travel to that realm's capital, where the main branch will happily take the gold and send bonds representing it to any troop leader of that realm. You can also send bonds to your family and add to your family's wealth.
  
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===Bonds===
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==Taxes==
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''Main article: [[Taxes]]''
  
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(full details, move bonds to here)
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[[File:NewTaxes.png|thumb|200px|right|A flowchart demonstrating how taxes work.]]
  
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===Silver===
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Taxes are collected on a region by region basis once a week. However, it is possible for a realm's banker to call taxes early. How long until the next tax day can be found on the "Realms and Regions" page that is listed in the information menu. Tax revenue for a region is a collection of gold that the peasants pay to the local estate owners, the income the guild-houses and temples pay, and the trade balance for the region (this is the amount made/spent through automatic trading). Then the tax revenue is spent to maintain the local buildings and militia. The income that is left over is distributed to all estate owners in the region depending upon the size of their estate. For instance, if you have an estate worth 25% of the region then you will receive 25% of the tax income. The region lord will then take a share of the income from every estate owner in their region. If this tax rate is set to 10% then all knights will pay 10% of their tax income to the region lord. Dukes also get to set a tax rate. If they set the ducal tax rate to 10% then they will take 10% of the tax income of the region lords, and only the region lords, under their domain.
  
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Silver, a rare metal that is valued less than gold--12 silver per gold--is generally beneath the notice of nobles (who receive gold coins for their tax bonds) - although certainly a noble might have a lot of silver and silver objects.
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==Food==
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''Main Article: [[Food]]
  
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Silver is the primary currency of [[Adventurer|adventurers]], who find it by killing [[Monsters]] and [[Undead]], as well as by selling various common items.
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Every region produces and consumes a certain amount of food. The amount of food produced in a week with 100% production is displayed on the region information page. Food production is affected by the regions production, weather, and the seasons. If a region doesn't have enough food then it will begin to starve. This results in lower morale and peasant death. If a region starves long enough then they will likely revolt and leave the realm.
  
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Commoners and peasants also have silver, though their primary currency (what they pay to their local lord) is usually [[Food]]. They also probably use the copper coins which are beneath the notice of even adventurers.
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===Trading===
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''Main Article: [[Trade]]''
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==Taxes==
 
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''Main article: [[Taxes]]''
 
  
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(Summary)
 
  
 
==Investment==
 
==Investment==
  
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(Full details)
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If a family is wealthy enough then they can invest their family gold into a region. This increases the production of the region and can even put the number past 100%. If the production is raised past 100% then the production will lower back to normal over time. With an investment a region can quickly recover from the destruction of war. Investing also grants a family a single fame point.
  
 
[[Category: Manual]]
 
[[Category: Manual]]

Revision as of 19:14, 17 January 2019


Currency

Main article: Currency

There are three currencies in the game: Gold, Silver, and Bonds. Most transactions will take place with the use of gold. Gold is used to recruit troops, repair equipment, train at the academy, and much more. There are a few ways to gain gold but the two most common ways are through collecting taxes and from looting. Silver is not used by nobles but is used by adventurers. Twelve silver is needed to equal a single gold. Bonds are pieces of paper that represent gold in a one-to-one ratio. Bonds can not be used to make purchases but they are the main method of sending currency to another person. This is done by visiting a bank, located in the capital and all cities. When taxes are distributed if you are not in your duchy then you will receive your tax income in the form of bonds instead of gold.

Bank

Each realm has its own bank, located in its capital with branches in any and all cities. Their primary use is to convert your bonds into gold, or vice versa. When taxes are distributed, if you are not in your duchy then you will receive your income in the form of bonds. Banks can also handle transfers of gold within the realm. Small transfers require the payment of a small fee. The only way to send gold to another realm is to travel to that realm's capital, where the main branch will happily take the gold and send bonds representing it to any troop leader of that realm. You can also send bonds to your family and add to your family's wealth.

Taxes

Main article: Taxes

A flowchart demonstrating how taxes work.

Taxes are collected on a region by region basis once a week. However, it is possible for a realm's banker to call taxes early. How long until the next tax day can be found on the "Realms and Regions" page that is listed in the information menu. Tax revenue for a region is a collection of gold that the peasants pay to the local estate owners, the income the guild-houses and temples pay, and the trade balance for the region (this is the amount made/spent through automatic trading). Then the tax revenue is spent to maintain the local buildings and militia. The income that is left over is distributed to all estate owners in the region depending upon the size of their estate. For instance, if you have an estate worth 25% of the region then you will receive 25% of the tax income. The region lord will then take a share of the income from every estate owner in their region. If this tax rate is set to 10% then all knights will pay 10% of their tax income to the region lord. Dukes also get to set a tax rate. If they set the ducal tax rate to 10% then they will take 10% of the tax income of the region lords, and only the region lords, under their domain.

Food

Main Article: Food

Every region produces and consumes a certain amount of food. The amount of food produced in a week with 100% production is displayed on the region information page. Food production is affected by the regions production, weather, and the seasons. If a region doesn't have enough food then it will begin to starve. This results in lower morale and peasant death. If a region starves long enough then they will likely revolt and leave the realm.

Trading

Main Article: Trade


Investment

If a family is wealthy enough then they can invest their family gold into a region. This increases the production of the region and can even put the number past 100%. If the production is raised past 100% then the production will lower back to normal over time. With an investment a region can quickly recover from the destruction of war. Investing also grants a family a single fame point.

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