Job Board (J)
A few particularly wealthy people can afford to travel the galaxy on luxury cruisers or even in their own private transports, but most ordinary civilians rely on friendly merchant captains with a bunk to spare to take them where they need to go. In addition, companies and other organizations on distant worlds sometimes need a particular sort of cargo delivered. Simple jobs like these are collected and posted on the “job board” for anyone who wants to take them on. These jobs pay better than even the most lucrative trade route, especially if you can line up several simultaneous jobs along the same route of travel.
When you click on a mission in the job board, its destination will be displayed on the map, even if it is not a system you have already explored. If you already know a route to that system, the route will be displayed; otherwise, you will need to explore the hyperspace paths in that direction until you find a route to your destination. (Or, buying local maps from the Outfitter can help you to avoid getting lost!) Systems that are the destination of any of the jobs being offered are marked with a yellow pointer, which will be dimmed out if the job requires more cargo or passenger space than you have free. Once you accept a job, it is added to your “current missions” list, and the marker turns blue; these markers are visible in your map whenever you bring it up.
Bank (B)
The work of a banker is hard: spending your days writing loans to enthusiastic young pilots, knowing full well that many of them will be unable to make their mortgage payments. And worse still, some of them, along with their shiny new starships that were bought with your money, will wander into a fringe system and get turned into a rapidly expanding cloud of debris at the hands of some pirate. And then good luck getting your money back. So, bankers can’t help but spend long, sleepless nights worrying about the fate of those young, optimistic pilots... and more importantly, the fate of the capital investments that those pilots represent. It’s a big risk for the banks to take. Whether that justifies the exorbitant interest rates that the bankers charge is, of course, an entirely different question.
You start the game with a significant mortgage to pay off. Every day (that is, every time you make a hyperspace jump or depart from a planet) if you have enough money to make your mortgage payment, the money is automatically deducted from your account and your credit rating increases. If you miss a payment, the daily interest is added to your loan and your credit score drops by five points. If you have extra money, it may make sense to pay down some of your loan immediately, to reduce the total amount of interest you pay, but don’t forget to leave some money in reserve.
If you apply for a new loan, your credit score determines the interest rate you will be offered, and your income history for the last hundred days determines the amount you can qualify for.
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