Loan insurance change (Small)

[PFH]

+1 Approve.

This actually is very logical. Bank loans shouldn't automatically be picked up by the Nation if loan insurance is available. The use of Loan Insurance should be optional. Bankers should have to submit the loan to receive the insurance for the defaulted loan.

Additional thought. If a player could choose when to submit, there would need to be restrictions on it specifically in regards to the possibility of a player switching nations to get a better loan insurance. In the event a banker changes nations and has an inactive player with a past due loan, loan insurance of the nation the banker leaves should automatically kick in for those loans. I think that is the best route to take in that situation.

+1 approve. Im with the same mind with Dez on the suggestion.

[Hawk]

+1

[Dejanira]

The best way for a nation to issue insurance would be manually, by allowing bankers to submit defaults to the council, and then the entire council can vote to either purchase the default it not, regardless if player is inactive or not.

I'd like this.
Besides, it would give more importance to Council.

[Kangaroo]

Need 1 more DT vote for approved

[PFH]

Approved and moved