====== Business ======

===== Overview =====

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.  There is always someone who owns the land you want to build on (Such as the Local Lord, or the Town Council)) and you need to get their permission before you can build.   They will probably ask you to contribute (in BPs) to building some Civic Infrastructure, before they give permission for you to build.  In the end, it could cost you twice the listed price (or more) before you are able to build.

As you build a business empire you will find that there are economies of size – the larger your business empire the higher your return.



===== Business Types =====

There are five business classifications :-

  * [[commercial| Commercial Developments]] - Professional and Service Industry 
  * [[manufacturing| Manufacturing]] - Craft based  businesses that have an end product
  * [[magical| Magic Businesses]] - Businesses based in magic
  * [[residential| Residential ]] - Every town needs somewhere for people to live - be a slum landlord or go upscale ....
  * [[hospitality| Hospitality and Entertainment]] - Pubs, Clubs, Bars, Inns, Hotels, Dancehalls, brothels and so  on.
  
===== Management Process =====


**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.
  * **Magic Economy** - 
    *  +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.

__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.   
  * 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.  
  * 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 the Land Owner)
  * Upgrade an existing Development (with permission from the Land Owner)
  * Make a voluntary gift to another player, stronghold or the state.
  * Do a good deed (Build a Shrine, Graveyard, Orphanage etc  (with permission from the Land Owner)
  * Lend  one (or more) BP to a different PC (You can charge interest, if you agree it beforehand)
  * Save BP until next turn so you have more to spend.