A business is just a collection of building that you purchase to produce an income for you, personally. The basic Capitalist set up - you pay to set the business up, and reap a regular reward in return for your investment. However, there is a catch. Here is always someone who owns the land you want to build on (normally a person building a strong hold) and you need to get their permission before you can build. You should be prepared to pay twice as much as the listed BP costs to get permission – sometimes you will get it cheaper (or be able to offer up ‘excess’ value from the BP you are spending) - other times it will be more expensive. As you build a business empire you will find that there are economies of size – the larger your business empire the higher your return.

Bonus 1: For those of you who own a business capable of creating items. Any workshop will have masterwork tools in it, and you will have staff who are skilled in using those tools - Therefore you may take a +4 Skill Roll Bonus when you make something during the down time associated with a Kingdom Turn. Note This includes mundane items, Masterwork Items, Scroll, Potions and Magical Items - BUT you must have the appropriate 'workshop' and ability within your business.

Bonus 2: Once per Kingdom Turn you may ask your business to make you an item at 75% of the normal costs. Note This includes mundane items, Masterwork Items, Scroll, Potions and Magical Items - BUT you must have the appropriate 'workshop' and ability within your business.

There are four many different categories of business development.

• Commercial Developments - Professional and Service Industry
• Manufacturing - Craft based businesses
• Magic Businesses - Businesses based in magic
• Residential Developments - Every town needs somewhere for the people to live
• Hospitality developments - Pubs, Clubs, Bars, Inns, Hotels …
• Merchant Houses - Trade between settlements by road or river.
• Academic Organisations - Build your own Univesity
• Religious Organisations - Build your own branch / Cult / Sect of your particular faith
• Guilds - Craft Guild, Professional Guilds, Merchant-Venturers, Wizards, Sages - any sort of guild.
• -
• ..Private Housing - Build yourself a house. No financial benefit, but you can live it up and it adds to your influence and reputation. Check costs of buildings (inc secondary)
• ..House Guards - or your own private army.

• commercial - Commercial businesses concentrate of providing the day-to-day services that make the world go around.
• manufacturing - Manufacturing businesses take raw materials and turn them into something more useful.
• residential - If you want to be a land Lord this is the business for you.
• hospitality - Pubs, Clubs, Hotels, Dens of Iniquity, Entertainment.
• Merchant - Trade between settlements.
• Academic Buildings - Build a University.
• Religious properties - Develop your own branch of your faith.
• homes - No financial benefit - but you can live in a nice house.

Phase 1 – Incomes

This is how many BP you generate from buildings and teams in your business.

• Core Economy -
  • +1BP for every 2 points of economy on buildings that you own.
  • +1BP for every point of economy on vessels, Mule Trains and Caravans that you own.
• Magic Economy - One of these per building.
  • +1BP for every building owned by your business that produces Minor Magical Items
  • +1BP for every building owned by your business that produces Medium Magical Items
  • +1BP for every building owned by your business that produces Major Magical Items
• Size Bonus - all of these that apply.
  • +1BP for every 10 Points of Economy that comes from buildings with the same Classification (ie Commercial, Residential, Manufacturing, Hospitality)
  • +1BP for every 10 Points of Economy, that comes from buildings in the same town or city.
• Merchant Economy - all of these that apply.
  • +1BP for every Town base you own.
  • +2BP for every City Base that you own.
  • +1BP for every trade route you connect to

Acts of DM: Sometimes Kingdom Event Rolls, or other similar things, will affect income. Particularly good weather might mean that trade is boosted across the land, while a flood or famine might mean extra costs for everyone. It might just be one area, or it might be the whole region …

Phase 2 - Costs

• There are no regular business costs that you need to meet. Developments are priced to include startup costs, ongoing costs and taxes. Most include a small contribution to town infrastructure costs as well.
• However you will find that Stronghold Owners will ask you to make extra Donations (of BP) to the town when you want to develop new parts of your business. This is because they have to keep Economy, Loyalty and Stability in balance as they manage the Stronghold. Business or organisational developments (such as Academic developments) that contribute something to the town (Loyalty, Stability) will likely attract fewer 'donation' requests. Others (such as Religious developments) will be sought after because they don't add any economy at all. Merchants will probably be asked for the biggest donations and asked most frequently. After all, Stronghold owners don't get a share of any of the income you make from Boats, Ships, Caravans or Mule Trains, and they know that :)
• Payback outstanding debts.

Acts of DM: Sometimes Kingdom Event Rolls, or other similar things, will affect your costs. Particularly good weather might mean that trade is boosted across the land, while a flood or famine might mean extra costs for everyone. It might just be one area, or it might be the whole region …

Phase 3 - Developments

This is when you change things, if you want to. Once everything is settled up for the turn, you know how many BP you have to play with. You could :-

• Build something New (with permission from a Stronghold Owner)
• Upgrade an existing Development (with permission from a Stronghold Owner)
• Buy a boat, ship, caravan or Mule Train (if you have Jetty/Pier/Serai/Caravanserai space available)
• Make a voluntary gift to another player, stronghold or the state.
• Do a good deed (Build a Shrine, Graveyard, Orphanage etc although you still need to get permission from the Stronghold Owner.)
• Lend one (or more) BP to a different Business, Stronghold or Organisation.
• Save BP until next turn so you have more to spend.

teams