Should this be posted as a potential Bug?

[Aahz the Pervect]

Perhaps the other thread was tl:dr at this point, so I will state some new data pulled from today. I'm not an airline aficionado like so many are here. I'm from a business background and count on my business acumen to keep me afloat as I learn new industries in various Sim games.

As Schro patiently pointed out, a Biz Plan that counts on always using Debt to fund everything is perhaps not a great one. But a Biz Plan that makes no use of Loans when they are a part of the Sim is certainly not making full use of its resources. So the key is to find the ranges and create a plan that stays well within those bounds.

Unfortunately I can find no documentation describing how the 'Bank' decides whether one is worthy of a Loan. And the data I am compiling leaves me even more confused as to the results.

Are you all chuckling at the Moron who is just not seeing it? 

Should I post this as a Potential Bug to ensure a Game Dev actually reads this?



Scenario 1 - Euro 2

Money -14 860 099 USD
Value of aircraft 336 694 763
USD Loans -168 974 446 USD
Current company value  152 860 218 USD
BBB Credit Rating
$80M in available collateral

No Loan Available - However as soon as I sell an AC for $40M (at a $2M loss, thus dropping my Company Value by $2M), I can suddenly get an $18M loan. Why? This makes no sense to me and screams "Bug!!"   (again - this was retested today)


Scenario 2 - Jet Age

After noticing that the amount of Loan available seems to grow rapidly as a single week (in game) progresses, I tracked some data.

Day   -  Change in Cash on Hand from previous day (and Company Value)   - Loan  Amount Available
Mon, 0 (start of data set), $225K
Tues, -$300k, $2.11M
Wed,  -$400k, $3.83M
Thurs, No change, $5.34M
Fri, +$700k, $6.7M
Sat, -$100k, $8.95M
Sun, +$200k, $10.4M
Mon, +70k, $429K
Tues, +$50, $2.33M

No purchases or changes in spending for that time period. The only anomaly was the Tax Man taking his pound of flesh, leaving me at a near $0 net for the week.

Why is the Loan Amount available on such a crazy daily curve? What could possibly be causing the huge drop from Sunday to Monday when the daily net profit (Cash on hand, Company Value) from Sun to Mon is positive? Again - Looking at it from a 'normal' business perspective.....it just seems quite buggy to me. Unless someone (anyone?) wants to clue me in on the variable I am not seeing?   

[Sami]

#1 - I can't remember if the limits are linear all the way or are there some hard-coded limits on that. If yes, that would explain it I guess. But most likely this is because your cash was negative, and went back to positive after the sale of the plane. As there is only very limited ways of seeing the future of the company (and past too), the cash in hand is one of the loan-determining values.. Which isn't that smart but hard to make it otherwise.

#2 - Hard to comment with so limited data.


Anyways.. Loan system is not perfect, I'd need some detailed & real info on how they should be calculated under this sim environment.

[Aahz the Pervect]

Okie doke. Not sure what data would be relevant to explain a $225k to $10M and back swing every 7 days.

Might want to consider adding a note on the Loans page that Cash on Hand is a major variable in determining Loan availability for those of us assuming it is a non-factor since it is such a big departure from Real World financing.

Thank you for time.