Just a thought for the future:-
I have members in my association that cant progress as well as they would like as they haven't got sufficient money to purchase waggons.
What if there was a facility to borrow money say perhaps from other members in their association at a % interest rate, and they couldn't move associations until it was paid back, and / or it was deducted back from their account when it reached a certain level. Obviously there would have to be a limit to borrowing of a % of their income or their engine value or something, otherwise people would borrow millions and place tracks and engines everywhere.
Any views on th subject?