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[andrea]

Bank favours, now sadly dubbed sharkbucks, are actually redeemable for value. what can i get for a crab buck?

[evictedSaint]

NEW MECHANIC
I have decided that Happy Crab LLC favours (henceforth referred to as "Crab Bucks" or "Crabucks") are physical tokens that can be exchanged by players, be it gifts or trade.
I will still issue them as I see fit, but in consideration of the need of certainty of value, I shall establish an official conversion rate.
Different series can be issued, with special conditions applying to them. Favours issued so far are Series A, with the following conditions:

A series A Crab Buck can be redeemed for either of the following:
-10 minutes of playtime with Citizen Snips.
-10 minutes of playtime with Ser Knottakrab.
-The rights to put one (1) Happy Crab LLC advertisement in a Happy Crab LLC approved location aboard your vessel.

An agreement can be made for other concessions in exchange on Crab Bucks on a per case basis, but the conditions stated above are guaranteed without need of negotiation.

Note: It would be highly appropriate to mark transfers of Crab Bucks not involving me to still include an @HAPPYCRABLLCHAPPYCRABLLCHAPPYCRABLLC to get my attention. Absent that, I reserve the right to ask where the Crab Buck came from. This requirement will most likely be removed if Crab Buck circulation becomes common enough, and it most likely won't be invoked barring massive or suspicious exchanges.

I can understand your hesitation, which is why I will graciously offer a reduced exchange rate of 1 Crabuck to 10 Sharkbucks.

[Powder Miner]

We, the undersigned private entities, agree to purchase the ship 'Fair Feldspar' to sail the route between the Motherlands and the Nearsouthlands until the ship has sunk or it has been chosen otherwise. A 1/10 share will be given to each signer to the contract for each 1.1 guineas put into the cost of the ship.  These can be sold or given away at any time. Each 1/10 share entitles the holder to 1/10 of the Fair Feldspar's cargo, and each 1/10 share will also obligate the shareholder to pay 1/10 of repair costs in case of damage. These normally must be paid within two months, but a shareholder can also choose to pay other shareholders' repair costs. If this does not happen and shareholder(s) do not pay their repair costs within the two month period, the shares of the nonpaying shareholder(s) are defaulted to the paying shareholders, divided between them (rounding towards closest integers). Any executive decisions of the ship, such as changes to the name or destination, require the owners of at least 6/10 of all shares of the Fair Feldspar. Any modification to this contract requires all shareholders of the Fair Feldspar to be in agreement.

Signed:
-Powder and Partners - 6.6 guineas (6/10 shares)

Spoiler: Powder and Partner (click to show/hide)

Funds: 6.68 Guineas
Favor: 1 Shark Buck
Commodities: 0 Sand
Investments: 3/10 share in Nearsouth Nsailor
6/10 share in Great Granular Galleon (w/ special contract with Lord Pibleton)
Debts: 3.4 guinea principal to Sharky Financial Services, 6 month term. (10% non-compounding monthly interest, current: 0)
Titles: Baron of the Nearsouthlands

[flazeo25]

@Andrea: Mind if i get loan of 2.8 Guineas if you have any.

We, the undersigned private entities, agree to purchase the ship 'Fair Feldspar' to sail the route between the Motherlands and the Nearsouthlands until the ship has sunk or it has been chosen otherwise. A 1/10 share will be given to each signer to the contract for each 1.1 guineas put into the cost of the ship.  These can be sold or given away at any time. Each 1/10 share entitles the holder to 1/10 of the Fair Feldspar's cargo, and each 1/10 share will also obligate the shareholder to pay 1/10 of repair costs in case of damage. These normally must be paid within two months, but a shareholder can also choose to pay other shareholders' repair costs. If this does not happen and shareholder(s) do not pay their repair costs within the two month period, the shares of the nonpaying shareholder(s) are defaulted to the paying shareholders, divided between them (rounding towards closest integers). Any executive decisions of the ship, such as changes to the name or destination, require the owners of at least 6/10 of all shares of the Fair Feldspar. Any modification to this contract requires all shareholders of the Fair Feldspar to be in agreement.

Signed:
-Powder and Partners - 6.6 guineas (6/10 shares)
-Wilco Ventures - 4.4 (4/10 Shares when loan approved)

[Rockeater]

Updated my assets, I think it's right

Spoiler:  Rock's Firm (click to show/hide)

Funds: 6.24 Guineas
Favor: None
Commodities: 4 Wool
Investments: 4/10 share in Warrick
Debts: None
Deposits:
- 2.00 guineas, to Sharky's financial ventures (Andea), Turn 8, no term, 5% monthly, 3/3 suspension available, 3 months notice for withdrawal , 0.5 guineas owed

[andrea]

We, the undersigned Sharky financial services, agree to transfer 2.8 guineas to the undersigned company, Wilco Ventures.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

Signed:
-Sharky's financial ventures
-

Spoiler: Sharky's financial services (click to show/hide)

Resources
Funds: 5.31 Guineas
Royal favour: 1
Commodities:
-0 sand
-0 wool
Investments:
-Exclusive charts to Norderlands
-Blueprints to SCOPE

Bank Favours
-Flazeo
  -0 favour for outstanding interest payments
-Draignean
  -2 Series A favour for keeping money in the bank for a long time
-m1895
  -1 Series A favour for keeping money in the bank for a long time
  -1 For flexibility in withdrawal
-Kashyyk
  -3 Series B favours from contracts
-Powder miner
  -1 Series A for interest repayment


Financials
Debts:

- 6.63guineas, to Greg ('gnean), Turn 2, no term, 4.5% compound, Advance warning for withdrawal: 3 turns, interest added to principal
- 2.88 guineas, to Meister Nagant (m1895), Turn 2, no term, 4.5% compound, Advance warning for withdrawal: 3 turns, interest added to principal
- 2.00 guineas, to Rock's firm, Turn 8, no term, 5% monthly, 1/3 suspension available, 3 months notice for withdrawal
- 2.06 guineas, to Skynet (Skynet), Turn 18, no term, 4.5% compound, Advance warning for withdrawal: 3 turns, interest added to principal

Credits:

- 5 guinea, from Lord Pibleton (Kashyyk), Turn 17, 6 months, 0.5 monthly 1/3 suspension available, Interest accrued: 0.68, Interest paid:0.82 Expiration: Turn 23
- 10 guinea, from Bathtub Corsairs (Tricmagic), Turn 19, 3 months, 0.6 monthly 3/3 suspension available, Interest accrued: -3.6, Interest paid:4.8 Expiration: Turn 22
- 5.1 guinea, from Bathtub Corsairs (Tricmagic), Turn 20, 3 months, 0.51 monthly 2/3 suspension available, Interest accrued: 0.51, Interest paid:0 Expiration: Turn 26
- 3.4 guinea, from Powder and partner (Powder miner), Turn 21, 6 months, 0.34 monthly 3/3 suspension available, Interest accrued: 0.00, Interest paid:0.00 Expiration: Turn 27
- 2.8 guinea, from Wilco Ventures (Flazeo), Turn 21, 6 months, 0.28 monthly 3/3 suspension available, Interest accrued: 0.00, Interest paid:0.00 Expiration: Turn 27

Good Will Assets
-1 guinea to explorer Dotty
-10 sand to Moira Libum
-10 wool to Moira Libum

[NUKE9.13]

24 hours.

[flazeo25]

We, the undersigned Sharky financial services, agree to transfer 2.8 guineas to the undersigned company, Wilco Ventures.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

Signed:
-Sharky's financial ventures
-Wilco Ventures

[Powder Miner]

Aaaaaaand with the loan approved:

We, the undersigned private entities, agree to purchase the ship 'Fair Feldspar' to sail the route between the Motherlands and the Nearsouthlands until the ship has sunk or it has been chosen otherwise. A 1/10 share will be given to each signer to the contract for each 1.1 guineas put into the cost of the ship.  These can be sold or given away at any time. Each 1/10 share entitles the holder to 1/10 of the Fair Feldspar's cargo, and each 1/10 share will also obligate the shareholder to pay 1/10 of repair costs in case of damage. These normally must be paid within two months, but a shareholder can also choose to pay other shareholders' repair costs. If this does not happen and shareholder(s) do not pay their repair costs within the two month period, the shares of the nonpaying shareholder(s) are defaulted to the paying shareholders, divided between them (rounding towards closest integers). Any executive decisions of the ship, such as changes to the name or destination, require the owners of at least 6/10 of all shares of the Fair Feldspar. Any modification to this contract requires all shareholders of the Fair Feldspar to be in agreement.

Signed:
-Powder and Partners - 6.6 guineas (6/10 shares)
-Wilco Ventures - 4.4 (4/10)

ACTACTACT: Purchase the Fair Feldspar to sail the route between the Motherland and Nearsouthlands.

Spoiler: Powder and Partner (click to show/hide)

Funds: 0.08 Guineas
Favor: 1 Shark Buck
Commodities: 0 Sand
Investments: 3/10 share in Nearsouth Nsailor
6/10 share in Great Granular Galleon (w/ special contract with Lord Pibleton)
6/10 share in Fair Feldspar
Debts: 3.4 guinea principal to Sharky Financial Services, 6 month term. (10% non-compounding monthly interest, current: 0)
Titles: Baron of the Nearsouthlands

[NUKE9.13]

Early Winter, Y2
TURNTURNTURN

Spoiler: Actions processed (click to show/hide)

ACTACTACT: Sell 5 sand for 2.0 Guineas

ActActAct: Sell 8U of Wool for 6.4 Guineas. use 3 sand to create a scope and attach it to Hardtack, Spend 2 wool and 2 Guineas to create spin jacks and put them on the market and put the royal favor gained towards the explorer license bringing it down from 3 needed to 2.

ACTACTACT: Sell 6 Sand for 2.4 guineas.

ActActAct: Use 2 sand to sandpaper the Hardtack it needs look fabulous.

ACTACTACT: Sell 8 wool for 6.4 Guineas. Create 2 Spinning Jacks and Donate them to the Industry.

ACTACTACT: Purchase the Fair Feldspar to sail the route between the Motherland and Nearsouthlands.

The Great Granular Galleon, Fair Feldspar, Bloody Shark and Hardtack depart the harbour.

An improbable series of events sees an angry bull charging through a large glass warehouse, which leads to a brief surge in sand prices as glassblowers replace the broken products.
[11 Sand Sold]

A reasonable quantity of wool is sold, enough to keep the industry ticking along. Then a bunch of Spinning Jacks are introduced, bolstering demand. The price rises as a result, to dizzying heights. However, some analysts worry about wool shortages in the near future, potentially causing serious trouble.
[16 Wool Sold]

The crown thanks Wilco Ventures and the Bathtub Corsairs for their generous donations to the Wool industry. The letters do mention a mote of concern that demand might exceed supply.
[Wilco Ventures and Bathtub Corsairs WILL receive 1 Royal Favour each at the end of the ongoing Royal Auction]

The Royal Auction continues. So far, no bids have been placed.

Only a single ship returns to the harbour this month. The very lonely Aywanez' Own slides into port on time and unharmed, but many ships are or remain missing. The captain is able to partly explain one of those missing ships: the Nearsouth Nsailor was apparently attacked by pirates on the way to the Nearsouthlands. The crew suffered many casualties and was forced to surrender much of their cargo (baubles intended to be traded for Sand).
The Enterprise, missing now for many months, is presumed to be LOST. It will be stricken from the list of ships next month.


PRICES
Sand    - 0.42 Guineas per unit (+0.02)
Wool    - 0.84 Guineas per unit (+0.04)
Copper  - 1.75 Guineas per unit (+0)
Ship    - 11 Guineas each (+0)
Caravel - 9 Guineas each (+0)

DESTINATIONS
Nearsouthlands - 2 Month round trip, yields Sand   | Public charts
Norderland     - 3 Month round trip, yields Wool   | Exclusive charts
Nordestlant    - 5 Month round trip, yields Copper | Public charts

SHIPS

!Nearsouth Nsailor      - Departed Late Autumn Y2 for Nearsouthlands. Expected return Early Winter Y2 [SCOPE] Missing
>Great Granular Galleon - Departed Early Winter Y2 for Nearsouthlands. Expected return Mid Winter Y2 [SCOPE]
<Aywanez' Own           - Returned Early Winter Y2 with 10 units of Sand. Intending to depart for Nearsouthlands Mid Winter Y2 [SCOPE][Sanded]
>Fair Feldspar          - Departed Early Winter Y2 for Nearsouthlands. Expected return Mid Winter Y2

Warrick                - Departed Late Autumn Y2 for Norderland. Expected return Mid Winter Y2 [SCOPE]
!!Enterprise             - Departed for Norderland in beginning Mid Summer Y2, expected to return end of Early Autumn Y2 LOST
>Bloody Shark           - Departed Early Winter Y2 for Norderland. Expected return Late Winter Y2
!Irreplaceable II       - Departed for Norderland in beginning Late Summer Y2, expected to return end of Mid Autumn Y2 Missing!!
>Hardtack               - Departed Early Winter Y2 for Norderland. Expected return Late Winter Y2 [SCOPE][Sanded]
!Yet Another Pirate     - Departed Mid Autumn Y2 for Norderland. Expected return Early Winter Y2 Missing
Magierin               - Departed Late Autumn Y2 for Norderland. Expected return Mid Winter Y2
Motherland's Bounty    - Departed Late Autumn Y2 for Norderland. Expected return Mid Winter Y2

Giddy Chicken          - Departed Mid Autumn Y2 for Nordestlant. Expected return Late Winter Y2 [SCOPE]
Jolly Crustacean       - Departed Mid Autumn Y2 for Nordestlant. Expected return Late Winter Y2 [SCOPE]
Coppermold             - Departed Mid Autumn Y2 for Nordestlant. Expected return Late Winter Y2 [SCOPE]

Lying Bastard          - Explorer. Departed West in Early Autumn. ETA: Unknown [SCOPE]

INVENTIONS:
SCOPE - 3 Sand - Private
Lace Pattern Clothing - 2 Wool - Public
Spinning Jack - 1 Wool, 1 Guinea - Public
Sandpaper - 2 Sand - Public

OTHER OFFERINGS
Moira Libum is always taking donations of any amount/combination of resources, and will provide blueprints in return.
Royal Auction: "Lord of Norderland" (LOT3BID), 2 turns remaining.


DID YOU KNOW: Cabbage Is An Interesting Word. I mentioned this on Discord a while back, but Cabbage has a variety of meanings. It can mean: decapitate, steal, a sort of leafy vegetable thing, and probably some other stuff I'm forgetting.
What? No, this isn't relevant to the game at all.

[TricMagic]

It's a lonely day in the harbors....

[EuchreJack]

For the Royal Auction, what is the Guineas to Royal Favour ratio?

[EuchreJack]

LOT3BID: 2 Royal Favour

Spoiler: Lazy Jack's Investco (click to show/hide)

Assets: 55 Shares in First United Sandbank
Other:
2 Royal Favour

First United Sandbank with Cash on hand: 1.45 Guineas. 
1.25 deposit with 4.5% interest owed to Setsu (deposited Early Autumn, Year 2)
0.2 Guineas
1.3 Guineas owed by Bathtub Corsairs in 3 months (borrowed Late Autumn, Year 2)
Other collateral: 1 sand
10% of the ship Coppermold

100 shares shall be issued, with Corporate (Jack) keeping 55 shares, introducing 45 shares to the market at 0.13 each to raise 5.85 in funds.
The following items will become part of First United Sandbank:
10% interest in the ship Coppermold (expected to deposit 1 copper upon its return, if it returns)
1.3 Guineas owed by Bathtub Corsairs in 3 months (borrowed Late Autumn, Year 2)
0.2 Guineas
1.25 deposit with 4.5% interest owed to Setsu (deposited Early Autumn, Year 2)
1 sand
With current funds, this amount of funding would allow a starting player with their 3 guineas/sovereigns to borrow enough to float a ship


Dividends, shall be determined Semi-Annually based upon profit margins.  A zero dividend is allowable in event of no net gain in assets.  No dividend paid the year of the IPO (Year 2). A Year shall end at Late Winter.  At sole discretion of management, dividends shall be payable outside of this schedule.

In this initial offering, our priority investors (those who purchase 20 or more shares in First United Sandbank) will receive the following benefit from Sir Jack:
A commitment of 1 royal favor towards the task of your choice, no sooner than the month AFTER purchasing the shares.

Spoiler: International Agreements (click to show/hide)

We, the undersigned United First Sandbank, agree to receive 1.25 guineas from the undersigned, Setsu Enterprises, in return for a Right of Expropriation of Assets for at least equal value of the total investment. Every month, Setsu Enterprise temporarily waives this right of expropriation for a fee equal to 4.5% of the current outstanding value (and the fee is then rolled over into the investment proper). This investment will continue in perpetuity, however Setsu Enterprises may deposit additional funds at any time. With three month’s notice, Setsu Enterprises may withdraw funds from this investment. Failure to provide the sum will cause Setsu Enterprise to invoke its Right of Expropriation of Assets (but only for the funds that it attempted to withdraw).

- Setsu Enterprises
- United First Sandbank

Spoiler: Standard Options (click to show/hide)

We, the undersigned First United Sandbank, agree to receive X guineas to the undersigned company, Y.
This amount will incur into a monthly interest of 6% of the initial sum.  It shall be held for exactly six (6) months, and automatically rolls over if request is not received for its withdraw prior to the expiry of the 6 month term.  It can not be withdrawn outside of these terms, so plan carefully!

Signed:
-First United Sandbank
-

We, the undersigned First United Sandbank, agree to transfer 1 guineas to the undersigned company, x, for an exact period of time of 2 months, at which 1.2 guineas will become due and payable immediately.  Failure to pay on time will cause the amount to accrue interest at 10% of the owed amount for each month that the amount remains unpaid.

Signed:
-First United Sandbank
-

[Powder Miner]

Bulletin(?) From Baron Powder Miner of the Nearsouthlands

A loud crash one morning announces a rather odd (and perhaps to some somewhat concerning) sight - an entire wooden table flipping gracefully through the air, thrown directly out of the front door of the Palace Street main office of Powder and Partner, before the rage-ejected projectile ends its arc abruptly and violently on the road in a tremendous shower of splinters.

Spoiler: Powder and Partner (click to show/hide)

Funds: 0.08 Guineas
Favor: 1 Shark Buck
Commodities: 0 Sand
Investments: 6/10 share in Great Granular Galleon (w/ special contract with Lord Pibleton)
6/10 share in Fair Feldspar
Debts: 3.4 guinea principal to Sharky Financial Services, 6 month term. (10% non-compounding monthly interest, current: 0.34)
Titles: Baron of the Nearsouthlands

[m1895]

Bulletin(?) From Baron Powder Miner of the Nearsouthlands

A loud crash one morning announces a rather odd (and perhaps to some somewhat concerning) sight - an entire wooden table flipping gracefully through the air, thrown directly out of the front door of the Palace Street main office of Powder and Partner, before the rage-ejected projectile ends its arc abruptly and violently on the road in a tremendous shower of splinters.

Spoiler: Powder and Partner (click to show/hide)

Funds: 0.08 Guineas
Favor: 1 Shark Buck
Commodities: 0 Sand
Investments: 6/10 share in Great Granular Galleon (w/ special contract with Lord Pibleton)
6/10 share in Fair Feldspar
Debts: 3.4 guinea principal to Sharky Financial Services, 6 month term. (10% non-compounding monthly interest, current: 0.34)
Titles: Baron of the Nearsouthlands

You doing ok bud?