well there would have to be limits on the margins that could be locoweed, and all loans would be unsecured, so say i loaned you 5Billion dollars and you tanked, then i would loose the gamble. Also you could build a monster, but the way the game currently limits A/C purchases and time to open bases, there would not be that large of a disadvantage. The real goal is for players in later stages of the game to able to compete with the state owned banks. Say the Bank of China will loan me 300,000,000MM at 2%APR and a 4% margin. There could be a page where i could look and see that say, Zombie Slayer is listing tem 100,000,000MM loans at 1.75% APR and a 3% margin. Then I may choose his loan, also i would not have to put up collateral. And it the risk would have to be on the players putting up the loans. Kind of like an alliance application. So I click to buy the loan, and then he has to approve it, he may list say a 10,000,000 dollar loan if he feels uncomfortable giving me a 100,000,000 loan. It's really just a way for the larger airline to make more margin on the money they have sitting around in later stages, and hopefully help new airlines that do not have collateral. Say I am brand new, and have no assets, the oppisite can be said of what i stated above, take the same BOC loan amount of 100MM, but i need collateral, ZS could post a loan of say a 6% AP and whatever the margin rate is...there be his taking a gamble on a start-up with no collateral, but if it works out he gets a good APR rate....anyway, its not a big issue, it doesn't effect me becasue my cash is gone as soon as i get it. But other cash "hoarders" may like the option.