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Subject: Gold penalties at the end of the game rss

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If a player fails to repay a loan at the end of the game, what penalty does he get? If he has between 20$ and 28$ in cash, having just a -20$ penalty would actually be an advantage with respect to a player that has exactly 28$ to repay his loan, so does he get a -28$ penalty? Or does he get an additional -10$ penalty just like the previous fashion months, that makes -30$ in total?
Thanks in advance for any answer.
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