CapLab Post-Release Beta V6.3.06 full version installer

[David]

Capitalism Lab Post-Release Beta V6.3.05 full version installer has been released.

To install it, download it from https://caplab.b-cdn.net/CapLab_Post_Re ... taller.exe and run the installer.

Please note that save games older than v6.3.00 are not compatible with this new version.


Version 6.3.06

Banking and Finance DLC improvements
Improved the insurance company balance sheet to display an additional column % of Total Assets.

Banking and Finance DLC gameplay balance improvements
Increased the effect of advertising in building up brands for banks and insurance companies. For the same amount of advertising spending, you will see a bigger effect on brand.

Fine-tuned the effect of changing insurance premium prices on insurance sales.

Improvement
On the stock market screen, the [Tech] category filter now includes software, Internet companies and Telecom.

Bug fixes
Fixed a few minor bugs in Insurance companies.
Fixed a crash bug when pressing F8 key in a tutorial.
Fixed a few issues with translated text.


Version 6.3.05

New Content
4 New Portraits


Improvements
It now displays the Customer Traffic Index on the Buy Land window and the Land preview window.

Added hotkey CTRL-L for opening the Buy/Sell land window.

Scripting
Added the following new script options:
Banking Focused Companies=<1 to 30>
Insurance Focused Companies=<1 to 30>
For details, please see: https://www.capitalismlab.com/scripts/s ... mpetitors/

Bug fixes
Fixed a bug related to sounds.

An insurance company is now prohibited from buying shares of its parent company. (See the user post reporting the bug: http://www.capitalism2.com/forum/viewto ... =52&t=7388)

Fixed the crash bug bond.cpp line 345

Fixed the crash bug bondres.cpp line 445


Version 6.3.04

Bug Fixes
Fixed the crash bug when you attempted to build a Headquarters building.
Fixed an issue with local language display.
Fixed some bugs with hotkeys.


Version 6.3.03

New Product images
8 new high quality product images.



Improvements
Map Scrolling Speed Setting and Improved scrolling smoothness.
Added an in-game option for changing the Map Scrolling Speed. (Press ‘O’ to open the option menu.)



You can now press ‘`’ key (the key next to ‘1’ key on the keyboard) to pause the game. It has the same function as the ‘0’ key but closer to the ‘1’ key for more convenient access.

The Product filter now also processes Software Companies and R&D centers, in addition to factories.

AI Improvements
AI corporations have a greater tendency to set up factories focused on their expertise product classes.

Banking and Finance DLC Bug fixes
Insurance companies will now receive stock dividends and bond interest payments.

Bug Fixes
Fixed a bug with Mass Transfer Firms when transferring a factory producing packaged software.

Fixed a display issue with firm descriptions when using translated game text.

Fixed an issue with local language display.

Fixed an issue with using a script for insurance.

Mass Transfer Firms function
Now it will show this message when you attempt to transfer a factory producing packaged software, from the normal single firm transfer menu from the firm detail window.

“Sorry, you cannot transfer this factory as it is making packaged software products. A factory can only make packaged versions of software that is developed by the same corporation”.

And factories of this kind will not be selectable in the Mass Transfer menu.


Version 6.3.02
Banking and Finance DLC
Script options for global stocks and insurance premiums have be added.
For details, please see: https://www.capitalismlab.com/scripts/script-dlcs/

Bug Fixes
Fixed a bug with computer OS.
Fixed a bug that prevents a Software Company from upgrading an OS firmware in the Video Game Mod.
Fixed an issue with the Sports facilities’ overall rating.
Fixed a bug with Mass Transfer Firms.
Fixed a bug where you could build more than one Bank HQ with the SHIFT key.


Version 6.3.01

Gameplay Balance Improvement for Banking and Finance DLC
Reduced the Economy's Impact on Loan Defaults when the “Economy's Impact on Loan Defaults” setting is High or Very High.

Gameplay Balance Improvement
The economy’s impact on land cost is adjusted to a lesser extent for better gameplay balance.

Bug Fix
Fixed the bug that occurred when merging two insurance companies.


Version 6.3.00

Banking and Finance DLC - New Features
1) The first beta version of Insurance Companies is now available.

2) Added a new local “Difficulty Level” setting specific for the Banking and Finance DLC.
Use this Difficulty Level setting to set the overall difficulty level of running banks and insurance companies.

3) Added a Return on Equity graph on the Overview page of Bank HQ. You could use the Switch graph icon to switch between it and the profit graph.

4) Added a new “All Deposits” tab under the “Deposits” page of Bank HQ.

5) Add the following new Game setting for Global Stocks:

Initial Stock Price Modifier
The initial prices of the global stocks are loaded from a database. You may use this modifier to change the initial prices of all global stocks. A lower Modifier value leads to lower initial stock prices, which promise more gain for the global stock market down the road.


Banking and Finance DLC - Gameplay Balance Improvements
1) Tweaked the profitability of banks in response to user feedback at http://www.capitalism2.com/forum/viewto ... =52&t=6997
The Return on Equity is now around 10% typically, which is reasonable for banks.
Reduce MAX_PERSONAL_SAVINGS_RATE_MODIFIER from 600 to 400.

2) Improved the global stock market. The return on investment in global stocks will be more reasonable.

3) Reduced the number of bank branch buildings required by 50% based on the feedback from http://www.capitalism2.com/forum/viewto ... =52&t=7196

4) The game now excludes bank and insurance profit from COO, CTO and CMO salaries calculation.

5) The brand rating of a bank will have a bigger effect on retaining its existing customer and acquiring new customers.

Banking and Finance DLC - Optimization
If there are more than 100 global stocks in a mod, the game will randomly load 100 global stocks in each game to prevent slowing down the game.


Banking and Finance DLC – AI Improvements
1) The AI will be more aggressive in cutting its deposit interest rate to increase its competitiveness if the setting “Aggressiveness of AI Banks and Insurance Co.” is set to High or above

2) The AI will be more aggressive in setting up new banks to compete with existing ones if the setting “Tendency of AI to Set Up Banks” is set to High or above

New Features and Improvements
1) New product images

2) Added an option to view the cumulative performance of a stock in the past 1, 3, 5 and 10 years on the Stock Market window. Click the switch display mode icon at the top-right of the Stock market window or press the hotkey ‘a’ to switch the view.

3) To be able to Mass Transfer a sector of activity from one company to another if it is 75% owned by the same parent company and the company that is getting the firms has enough cash.
More details on the official Capitalism Lab site: https://www.capitalismlab.com/subsidiar ... fer-firms/
The original user post that suggested this feature: http://www.capitalism2.com/forum/viewto ... =14&t=7060

4) Having the option to use a subsidiary to Buy a private corporation.
More details on the official Capitalism Lab site: https://www.capitalismlab.com/digital-a ... e-company/ (see the info at the bottom of the web page.)
The original user post that suggested this feature: http://www.capitalism2.com/forum/viewto ... =14&t=7060

Gameplay Balance Improvements
1) Each AI person will not build more than one mansion.

2) AI corporations will not always set up factories in cities with the lowest labor cost. If it is the city where the corporation is based in (as hinted by the location of its HQ), it may favor that city. The CEO’s management style will determine how large such factors (labor cost, HQ’s location) are in the decisions of choosing locations for factories.

3) Improved the central bank’s decisions on interest rate changes when the Inflation mode is off.

4) Improved the advertising incomes of traditional media firms.

5) Improved the simulation component governing the acquisitions or losses of the visitors/audience of traditional media firms and Internet firms.

6) Economic conditions will affect local companies' advertising spendings on traditional media companies and web companies. (http://www.capitalism2.com/forum/viewto ... =14&t=7130)

7) Natural resource sites will be generated outside the city center. (http://www.capitalism2.com/forum/viewto ... =14&t=7139)

8) Increased the profitability of Internet firms.

9) AI will stop producing new versions of a software product if the OS company has ceased operations and will eventually stop producing or selling software products that run on the OS.

10) The IPO price will be $100 instead of $10 if the total number of shares pre-IPO reaches 100,000,000 shares.


Minor Improvements
2) Increased the font size on the firm filter list (accessible from the buttons under the mini-map.)

3) Added context sensitive help to the buttons on the research interface of University.

[avengerbg]

I dont think this is right, how can default rates of loans go over 100%? Its true i set it to maximum dificultly, but dont think its normal, even during depression, you cant lend 100$, and loose 120, becouse you didnt get paid back, isnt it?

[avengerbg]

Also i might be wrong, but shouldnt defaulted loans be substracted from total loans. I mean "loans to custumers" never goes down. So basicly someone takes loan, it defaults, but he still have loan, that defaults again, and so on to infinity, think this can be the problem with above screenshot.

Also it comes in mind, may be there can be managment polices how to handle loands during different economic states, for example during recession, bank might stop issue new loans, or keep lower loans to asset ratio, while during boom its higher. or just a possibility to set 2 different loans to asset ratio percentages, for the boom and bust cycles, in real life, banks tend to change their polices durring different economy states.

"Recessions can do real damage to banks via credit losses, declines in the value of other investments, reductions in new business revenues, etc. Even worse, the situation can spiral downward as damage to banks cuts into credit availability, which exacerbates a recession, which forces banks to cut back further."

[communist]

Getting a bug with insurance companies where my company needs cash transferred to it, but no matter how much i transfer in, the transferable cash remains the same number. i am not able to continue playing, as the glitch marks my insurance company as bankrupt.


Loving the beta though! can't wait to see what else you guys have coming

[David]

We will investigate the problem.

Could you please provide us with your save game file and let us know the following?
1) If your savegame uses a MOD, please let us know the name of the MOD and the MOD's version number.

You can find save game files of Capitalism Lab from:
C:\Users\<your user name>\Documents\My Games\Capitalism Lab Post-Release Beta\SAVE

You may provide us with your save game file by posting it here on the forum as a ZIP file attachment or emailing the save game file to us at info@enlight.com.

If your save game file is too large for attachment, you may check out this post about how to send us large files: https://www.enlight.com/forum/viewtopic.php?f=13&t=2473

[communist]

i'm afraid it was an autosave and i already started a new character, but if i run into the issue again i'll shoot it your way, i'm playing with another insurance company right now.

[David]

Also i might be wrong, but shouldnt defaulted loans be substracted from total loans.

In the current version, defaulted loans are already deducted from the total loans. The deduction amount is high, the default rate can be over 100%, because of the math used for calculating the default rate.

[avengerbg]

In the current version, defaulted loans are already deducted from the total loans. The deduction amount is high, the default rate can be over 100%, because of the math used for calculating the default rate.

Isnt that too excessive? i mean in the test game i made, average default reached 130%, C loans over 200, and losses over 2100%, just couple of months in recession and bank capital and earnings for years, was gone. and this with under 100 mil bank assests, i cant even immagine what it will be if they are several bilions, with several bilions of given loans.

[David]

Its true i set it to maximum dificultly

I would recommend that you set it to the normal difficulty level or find a difficulty level that you find comfortable to deal with.

And I've created two polls for potential improvements:
http://www.capitalism2.com/forum/viewto ... =52&t=7305
And
http://www.capitalism2.com/forum/viewto ... =52&t=7318

[avengerbg]

I would recommend that you set it to the normal difficulty level or find a difficulty level that you find comfortable to deal with.

And I've created two polls for potential improvements:
http://www.capitalism2.com/forum/viewto ... =52&t=7305
And
http://www.capitalism2.com/forum/viewto ... =52&t=7318

Yes i can do that, right now its more of academic discussion for me.

"Of all the components in the series, bank credit cards tend to have the highest default rate. The default rate on credit cards was at 3.68 in March 2019. It had hovered between 3.04% and 3.86% for the past five years."

Given that even on highest dificultly, default rate percentage shouldnt be so high. Also im not expert of economics, but how you can lend 100$, and loose 120$ if you didnt get back, becouse thats the situation with default rates over 100%, you lend X amount, but you lost X+Y, like you had to pay extra becouse they didnt paid back. Or may be im wrong, hopefully someone with better understanding of banking can give some opinion