And when the final "End of Game" screen appears, the game will not congratulate you. It will simply show a graph: .
The Centralization vs. Decentralization slider is not a bonus. It is a personality . At 0% Centralization, you are a feudal joke—but plagues spread slowly. At 100%, you are an efficient monster—but one bad harvest and every province simultaneously sends a "food riot" notification. The sweet spot is 65% . That’s the “Enlightened Tyrant” zone. You can tax without breaking spines. Phase 3: The Paper Hell (1550–1650) This is where new players quit. Your economy will seem to stall. Tax income flatlines. Trade nodes are incomprehensible (look for "Provincial Trade Power" not "Merchants"). But you have missed the point: M&T 3.0 is not about income . It is about Liquidity .
Gold is a lie. What matters is Credit . The Burghers can lend you money at 4% interest if they trust you. But trust is built via Urban Infrastructure (roads, markets, courts). Each level of infrastructure increases your Loan Capacity not by a fixed number, but by a percentage of total urban GDP . In 1600, a well-built Holland can borrow more than the entire Ottoman treasury.