I know that in some place, there must be a file to change mercenary values, and right now, that would be the easiest way of balancing the mercenary full armies. Manpower means nothing right now.
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That file opened more gates to me than it should.
Does something happends if you reduce the maximum amount of gold, and one country achieves it? Like, I don't know, the money goes to 0.
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I did reach the money cap in regular game before, it's not that hard to do. You can cheat "cash" enough times to see for yourself.