The governor has instigated a series of incentives for settlers to try and encourage them to work on the development of the region, while the FFTC have reduced their criteria (in this region) for becoming an FFTC Shareholding Member.

Review this in light of new document on Capital Wealth.

Have to find the right place for this later. It doesn't really fit under Finances - but I need the concept now! An Adventuring Company (Might need a better name), is a group of Characters who have agreed to work together - and signed a contract to that end. Contract terms are normally that PCs can put money and developments points into the Adventuring Company, but can't withdraw money or Development points without the approval of all members - majority vote is not enough. Develoments stay with the company - it is only the 'loose change' in the development put that can be parcelled out. Last one standing - wins! If agreement can't be reached, it requires a court case (and a DM decision). A character can only belong to one adventuring company at a time.

If PCs don't want to sign a formal document - that's fine. Characters can still adventure together, work together, socialize together etc etc. However they (as a group) don't count as a business for the purposes of the Finance System.

• Each Character & Official group has their own development pot that must be tracked.
• NEED to check/test these values to see how they work out
• All taxes and fees are collected by the governor, FFTC or other organisation. PCs do not get taxes from settlements they develop.
• Characters get 1bp into their development pot when they advance to L3, and another 1bp every time they advance a level.
• 1Build Point costs 4000gp 2000gp. To purchase Note Value based on Palisade and Defensive Wall Costs
• 1 point of Plunder is worth standard GP value (Skull & Shackles rules) in cash OR 1.5 times the value as credit in the Development Pot. This can go into a personal or Party Development pot.
• Each development owned by a PC (personally) that has an economic value, generates 100gp per point of Econ - or 150gp credit in the development pot - every time the PC advances a level.
• Each development owned by a Business that has an economic value, generates 20gp per point of Econ - or 30gp credit in the development pot - every time a PC, who is a formal member of the business, advances a level.
• PCs (or groups) can cash in development credit from their development Pot for half the GP value.
• PCs can borrow Developement Credit from other Characters (PC and NPC) or even take a loan. However, security must be offered again future income.
• 2000gp credit in a development pot, buys 1bp.
• -

• Designed to encourage safe and economically viable expansion of the colony
• PCs may only sign up to one of these programs or schemes (even the FFTC scheme is supported by Tax contributions)
• The rewards do balance out 0 see notes.
• An Adventuring company may sign up for one of the Reward Schemes, if all of the members agree (Note probably best to choose one that is underrepresented in the group) However, they attract 20% of the reward noted below - every time one of their members advances a level.
• The Defender Reward Program gives the PC 200gp credit (per defence point) into their development pot every time the PC levels up. Note Def points do not attract any income.
• The Community Reward Program gives the PC 100gp credit (per Loy/Stab) into their development pot every time the PC levels up. Note Neither Loy or Stab attract any income - but they are half to cost of Def point).
• The Production Reward Program gives the PC 100gp credit (per Econ) into their development pot every time the PC levels up. But only for (manufacturing Craft Workshops etc - does not include buildings specifically intended for the creation of magic items) or agricultural buildings (Farms, Mills etc) Note They don't give up the income from the Econ Point - total reward= 200gp.
• - Note: FFTC Membership is only available to individuals - not businesses.
• The FFTC Membership Scheme allows the PC to 'Buy into' the FFTC by donating Merchant developments (Serai, Jetty, Merchant vessel, mule/ox train) to the FFTC. In return, they will receive a share in the FFTC. This generates dividend of 250gp (per point of Econ) for their development pot every time the PC levels up. Should the PC retire - this dividend can be converted into a 'pension' of 5gp/ Month (per point of econ donated) for life. Even better, the share can be given to an heir (or anyone else) - although there is an administrative charge of 1xshare (per 10 shares or part thereof) Note Less opportunity for FFTC developments and they have to give up the Econ. Need to check the balance later.

• Lots of businesses aren't covered - but the Governor has covered (what she considers) to be the main bases - for secure expansion. Food and manufactured goods (reduce imports) Defence - to see off all those nasty humanoids and the community side - to help keep the people sweet. Brothels, Bars, solicitors and all the other stuff - will come of their own accord, when the market is ready.