Skarpen

We have those to. Also all credits, loans and similar financial products have to inform about actual annual percantage rate. Don't know if I translated it correctly, but it means they have to inform about the actual cost of their product. It really helped with people taking legitimate loans and kicking frauds out of the market.

Well from what I see americans are to eager to use credit cards for everything. You guys fo realise there are such thing as debit cards that are limited in spending to what you have physically on your account right? I have never used a credit card in my life as a simple consumer credit is way better in terms of interest rates if you need quick cash.

Is it free transaction if one side is purposely deceiving the other or hides the actual costs of contract? I think not. Law should regulate such things to be illegal. If someone signs a loan that clearly states he has to pay 1000% back then so be it. But if someone sign the loan for 10% interest and it magically becomes 1000% because of some clause or fine print then it should not be allowed. I'm all for freedom of contracts but lets not legitimize frauds.

11 cases so far in Poland. Government claimed they are prepared and ready with procedures. And next thing they did was create a special legislation which proves they weren't ready. Slight panic is observable in malls. People are buying food and medical supplies. All in all I don't believe there will be an high level of pandemic but if it comes we will be out of luck.

Which in turn will shift the financial benefit from chemical engineers to nurses as there will be not enough nurses and abundance of chemical engineers. Supply and demand also impacts jobs. So it's hard sometimes to predict job market few years ahead when you make the decision of choosing a career. In Poland we now have very high number of higher educated people and not enough skilled workers. Due to big shift from learning a manual job to pursuing higher education and because of emigration of skilled workers after joining the EU. Now a welder earns more than engineer, becaue I can throw a stone in random direction and have a high chance of hitting an engineer and finding a good welder that stayed in country is a big task. So it's not only knowledge amd skill but availability of them on the market. But no matter what age you are going to introduce young adults to the adult world there will always be more experienced people waiting for them at the door. I think it's not age limits or other restrictions they need but financial and common sense education. Also some laws should be in place for financial institutions to not put people in spirals of debt. Don't know about US but we have a few laws that protect from those.

You don't have to get engineering degree. Just something useful that can get you a job and will allow you to pay the loan if you took one.

You make assumption those are the same people. As for romance in BG3 https://beta.hitc.com/en-gb/2020/02/28/baldurs-gate-3-romance-options-explained-better-than-most-rpgs/?amp

I think few guys above beat me to it. But I will toss in addition to above: Both South Park rpgs Wizardry series Wasteland 2 Legend of Heroes series Final Fantasy series Darkest Dungeon Shadowrun series As for RtwP combat being bad you can google it. Plenty of topics even in this forum.

There would be another Clinton though. I'm pretty sure you would be more upset then.

All criticized for combat. Good games but poor combat. In combat? Nope ☺ Welcome to the present. Ratings go like this: 5/5 Fanboy 4/5 Hater 3/5 Hater 2/5 Hater 1/5 Hater I was once threatened to be sued for rating some restaurant 4/5. Crazy times.

AOC will be one term glitch and will be forgotten in short while. Trump is forever

That was seriously dreadful. The guy looked like it was his first rodeo.

Let's be real there isn't a single game in existence where RtwP combat is any good.

How's that relevant to the question of why other developers don't use the mechanic?

Thank God that the first printed book wasn't poorly written because we would abandon printing following that logic.

You can choose one of companions to play as MC.

Witcher 3

Don't read it at night and we should be ok

Roll initiative to check who has first turn.

Because he was a crappy character both mechanically and personality wise.