nice idea, difficulty settings window is a bit too small, i resized it
Thanks. I noticed it also, but was too lazy to care for it, as it was still in the window
I put your version (updated to 12098) into the first post to avoid confusion.
Just one note: currently you can repay or borrow by small steps (10K pounds) or with ctrl do "borrow/repay max at once". But once you have some wealthy company (say, 500M pounds value), allowing to borrow 250M pounds and you want, say, borrow 60M. But - if you click ctrl + borrow, then borrowing 50% is too much, especially with high interests. And borrowing by ordinary clicks ... you need 6000 clicks. You'll need some automated clicking program or otherwise you end up with RSI
I guess the GUI would need a bit tweaking too, as with the new system you will much more often want to borrow some value "in the middle of the range".
One possible solution: Add some two extra (small) buttons to the finance windows that will increase/decrease the amount. You click the "plus" button and the amount increase 10s times (from load/repay 10K to loan/repay 100K), and then second button which will decrease 10 times. This way you set reasonable step (like 10M) and then borrow what you want with just a few clicks (3 clicks to change magnitude and 6 click to get money in the above example)
Then borrow max, spend what you need, and repay the rest; you shouldn't lose more than 100k that way, and if you're borrowing 60M, you can afford 100k.
Well, even without the patch I did it this way, as the steps were to small, but I agree with Bilbo that this is sub-optimal. The best solution would be to have separate buttons for different powers of 10, like 100k, 1M, etc. An easier solution would be to just define <Ctrl>-<Click> as 1M. Or one could scale it according to the maximum loan, so that it is at most 10% of it for higher value (so max(1M, 10% of max.loan)
On the other hand, I don't expect anyone having above 60M to still need loans. For me the patch should bridge the relatively early part (maybe after 10 years), where you already have made some money and can't be called poor anymore, but are still struggling because of expensive vehicles form NewGRF sets, etc. So, I think steps of 1M just might be enough.