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What are the Expert (optional) loan interest rules, and are they official?

Several posters quote the printed optional rules and agree the base game uses 1 Franc flat; the wordings differ by edition.

  • lostphd · Community · 2019-10-25
  • Solipsiste · Community · 2019-10-25
  • Megamaniac · Community · 2010-01-04
  • Ponton · Designer · 2009-11-19
  • Ponton · Designer · 2013-01-14
  • JoshBot · Community · 2020-03-17
  • Ponton · Designer · 2020-03-17
  • Ponton · Designer · 2009-12-25

They are optional and are not in the main rulebook. Newer German editions say that with loans equal to or more than the number of players the interest is 2 Francs instead of 1; the English Expert sheet in some printings words it as 1 extra Franc each round for 2/3/4/5 or more loans in a 2/3/4/5-player game. Treat them as a variant, not errata.

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