Industrial Colony card - Era 2 - should read 1 wood, 2 clay > 1 Brick. The reference guide states this correctly, the card is incorrect.
The reference is the appendix. In the appendix the era 2 power is 1w+1c=1b. The only error on the colony card is for era 1 power (1w+1c=1b where it should be 1w+2c=1b). I've read explanations posted before and it looks like era 2 is correct: 1w+1c=1b. Only the era 1 text is wrong on the colony card.
Symbol on Factory/Industrial tiles - not the same as a Tool and does NOT give a tool discount.
I don't get it... the symbols are the pick and shovel (plus the food basket). Nothing to do with tools. It has to do with production (pick and shovel) and sustenance (food basket) buildings. The industrialist doesn't affect sustenance buildings only production. Neither affects money grabbing at the end of the year (dollars are not technically produced, in fact there's no pick and shovel on the Pub for example) as you said.
Altruist Colony - Cannot be used to hurt other players, therefore does not reduce the cost of fees to other players when sharing places.
He gets part of the fee from the bank: courtesy of the alchemist.