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- The monthly budget breaks each expense into the resource bought, its quantity and the average price paid: tile improvements already did, and now every upkeep row (buildings, units, works, transport) does too. - Private producers settle their daily wear from their own cash and borrow the shortfall from the central bank, so their cash never goes negative. - Producers fund their own construction and upgrades on the same credit; the treasury pays only for public works, roads and railways, and no private purchase is filed as a public tile-improvement expense. - The server settles the world until every commodity holds within 10% over a trailing seven days instead of a fixed 150, capped by --warmup (0 skips it). - The shipped month report carries its label again, so the budget header and pager name the month.