[HEADER]
Title=Building an Insurance and Real-Estate Company
Description=Building an insurance company from the ground up – This is what we do in this session. We also play the role of a real-estate company. Banking and Finance DLC. Subsidiary DLC. Watch, learn, play by yourself and have fun! :-) by Lightproton
Reset All Settings=Yes
DLC=Banking
DLC=Subsidiary

[ENVIRONMENT]
Number of Cities=4
Your Start-up Capital=Very High
Random Events=Frequent
Game Starting Year=1990
Retail Store Type=Many
Technology Disruption=On
Stock Market=Yes
Boom-Bust Cycle Volatility=High
Macro Economy Realism=High
Inflation=Inverse
Inflation Strength=Normal
Subsidiaries=0
Private Company=No
Retail Store Floors=Multiple

[CITIES]
City=London
Consumer Goods Seaports=1
Industrial Goods Seaports=1
Map Seed=3012, 1801

City=Frankfurt
Consumer Goods Seaports=1
Industrial Goods Seaports=1
Map Seed=106, 1998

City=New York City
Consumer Goods Seaports=1
Industrial Goods Seaports=1
Map Seed=1705, 1792

City=Hong Kong
Consumer Goods Seaports=1
Industrial Goods Seaports=1
Map Seed=302, 1891

[COMPETITORS]
Number of Competitors=30
Competitor Start-up Capital=Massive  
AI Expansion Aggressiveness=Very High
AI Pricing Aggressiveness=High 
AI Expertise Level=High
AI Tech Head Start=High
Show Competitor Trade Secrets=Yes
AI Friendly Merger=Yes
Competence of Local Competitors=Very High 
Stock Focused Companies=3
Real Estate Focused Companies=3
Media Focused Companies=3
AI Private Companies Percent=10

[IMPORTS]
Constant Import Supply=Yes
Import Quality=Low

[PRODUCTS]
Product Customization=Off

[LOCKS]
Firm, Retail Store
Firm, R&D Center
Firm, Farm
Firm, Warehouse
Firm, Factory
Firm, Logging Camp
Firm, Mine
Firm, Oil Well
Product=All

[PLAYER EXPERTISE]
Marketing=50
Training=50
Product Expertise=Jewelry,70

[GOAL REWARD SETTINGS]
Knowledge Points System=Yes
Can Increase Expertise of Management Staff=Yes
Initial Knowledge Points=100

[Banking and Finance DLC]
Aggressiveness of AI banks and insurance companies=Very High
Number of AI Companies Focused on Banking=Very High
Number of AI Companies Focused on Insurance=Very High
Tendency of AI to Set Up Banks=Very High
Tendency of AI to Set Up Insurance Companies=Very High
Feature Bank=Yes
Realistic Loan Demand=Yes
Savings Rate Modifier=100
Base Loan Interest Rate=Moderate
Initial Net Interest Spread=2
Maximum Loans-to-Assets Ratio=90
Corporate Deposit Cap=10
Required Bank Capital Ratio=7
Economy Impact on Loan Defaults=Moderate
Feature Insurance=Yes
Insurance Premiums Modifier=100
Insurance Claims=Very Low
Feature Bond=Yes
Percentage of Player Capital Funded by Bond=0
Bond Credit Standard=Normal
Bond Issue Limit=9
Feature Global Stock=No
Initial Stock Price Modifier=100
Global Stock Performance=Moderate
Realistic Money Supply=No
Venture Capitalists=5
VC Capital=2
VC Diversification=1
Acquire Companies Facing Bankruptcy=Yes
Warehouse Floors=Multiple

