Economy

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Revision as of 18:14, 17 January 2019 by AbstractLogic (talk | contribs) (Condensed the sections; Filled in taxes and currency; Partially filled food/investment; Reworked bank.)
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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.