Credit Rating Suggestion
Change the Credit Rating system to attaining the higher levels of credit more difficult. Currently the spacing between B to BB+ as well as BB+ to BBB+ is 0.4. However, the spacing decreases after that to 0.3 from BBB+ to A- and then 0.2 for every increase after that until AAA. I would like to suggest that instead of making the intervals smaller, we make the intervals bigger.
My suggested spacing would be:
BBB+ to A- 0.5 (new requirement 0.9, currently for A) A- to A 0.6 (new requirement 1.5, higher than current AAA) A to AA+ 0.8 (new requirement 2.3) AA+ to AAA 1.0 (new requirement 3.3)
It has been observed that after reaching BBB+ the growth of credit becomes much easier, which is not how it occurs in real life. Although many credit rating changes need to be made to completely overhaul the system, I believe that this is a simpler change that can be made more quickly than some of the other recommended fixes. This new spacing will help with the game balancing. It should not be impossible and will be a small test.
Depending on how much effect this has on growth, we may increase the spacing, or decrease the spacing. The ideal balance makes growth reasonably quick, without making it explode after BBB+ like it does right now. We do not want to make growth so slow that players lose interest quickly.