Good Morning Everyone, 1.19.3 has been released to testing build. If you're not on Testing build but would like to try it, you can find instructions here. 1.19.3 features a new financing system. We have removed "Banking" from the game and interest is now generated straight from your funds. We've introduced a Revolving Line of Credit system (Nearly the same thing as a Credit Card.) The Loan system was also reworked, possible exploits were removed and some bug fixes were implemented. You can now have multiple loans with multiple payout dates. Finally we implemented a Bond system which allows you to create callable bonds at various rates and maturity dates. This system allows you to build up capital quickly, but will hit you hard when you have to pay back the principal. All of these new features can be found in the Safe by clicking the pile of money or the "Banking" button. 1.19.3 also comes with the first half of our rewritten stock system. Stock valuations, IPO, AI buying, AI Selling, and AI acquisitions have been rewritten. The GUI has been improved, and a dividend system has been implemented. You can also now see who owns shares of what and who owns shares of you. The Takeover code has been changed to an Acquisition system. You will no longer need to submit a bid, instead a flat rate is given to you. You can also now spin off marques into "Wholly Owned Subsidiaries." When you do this, the marque will become the same as an AI company, however, it will pay the majority of profits to you. Any company you have control of (50%+1) you can now adjust dividend rates of. Every factory, branch, and component now has a "Creator" ID. This allows you to completely delete everything a made by a marque by "Discontinuing" the marque. Likewise, if you spin off a marque, it can take the stuff it "created" with it. Finally, we have released the full set of Grills and a few newly redesigned logos (more of these to come.) If you have not been following the progress thread. Since this release took longer than expected, all tickets have been pushed back a version or two. The final parts and features to the stock system will come out as 1.20. Bug fixes submitted to me in the last few months will be broken up in two parts, those that require save changes and those that don't. Fixes that don't require save game changes will come out in a series of hotfixes to 1.20. Fixes that require save game changes will be sent to testing build for 1.20.1. Thus first features planned for 1.21 will be pushed back to 1.20.2. Hopefully that makes sense. Change log: -Removed "Banked Funds" and attached features -Implemented interest income on "Cash Funds" -Implemented Revolving Line of Credit -Revised Loan Offer System -Allowing Multiple Loans -Adjustable Loan Request System -Revised Banking GUI -Revised Credit Rating system -AI debt financing improvements -Fixed bug in world map showing incorrect "Market Status" when flagged with '-2' at war with destroyable factories. -Bond System. -AI uses Bonds System. -Revised Stock System GUI -IPO Valuation adjustment. -Stock Dilution system -Stock Dilution Lawsuit Action Memo -Manual 2:1 and Reserve 1:2 split. -Increased Automatic 2:1 split price to $300. -Marque Management System -Creator/Marque Ownership of properties and designs -Assign marque ownership of property. -Display marque's assets -Display marque's image. -Improved, more realistic spinoff system. -Sell marque to competition. -Adjusted costs and sales prices to spinoff/sell marques. -Revised discontinue marque system that removes all designs and properties (if you choose to.) -Dividend Payment System. -AI dividends -Wholly Owned Subsidiary System -Revised Stock Buying -Revised Stock Selling -Share price moves based on how many shares you are buying/selling -Revised Stock Valuation system. -Implemented P/E stock price valuation system. -AI holdings -AI Holders -Player Holders -Player Holdings. -Adjust dividend rates of subsidiaries you control. -Improved Stock Overview gui -Fixed AI emerging from bankruptcy bug. -Stock Acquisition System -Improves AI Buying/Selling of shares -Improved AI takeover system -Grill Artwork