ViconomicNGTR 1.1 file

ViconomicNGTR 1.1 (NoGoldTaxRefund)edited for Vanilla by SteamFax
Code from NGTR-HPMpatch by Bearhobag of Reddit

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New in 1.1
Raised national treasurey caps 10x from original settings ie £300,000 to £3+million as AI seems to need that as "a comfort zone" in maximizing building of its armies.
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Originally presented as an economic improvement patch for Victoria 2 HPM (Historical Project Mod) by Bearhobag but adapted for Vanilla.
Files are altered from HMP to NGTR and HMP content removed for Vanilla.

What this does:
Addresses Victoria's late game economic liquidity problem for Vanilla.

As per results of Bearhobag of Reddit's empirical studies of saved Victoria 2 games:

"a major problem with Victoria 2 is that above 90% of the total money pool ends up trapped in national treasuries"

"Money doesn't reach the general population. Without money, they can't buy goods. Without demand for goods, factories can't make a profit. Without profitable factories, industrialization can't put money into people's pockets. Instead of roaring into Fordism, Victoria 2's Industrial Revolution tends to fizzle and fail."

Reddit.com

"I'm not saying this fixes the game, it's just what I've decided is "good enough".
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These areas are addressed for Vanilla by this mod:

1--Governments don't hoard money in their treasury anymore , instead they lower taxes and even return money back to their POPs if treasury amounts exceed £3,200,000.

2--Factories pay out 60% of their profits to employees/managers, as opposed to 30%.

3--Gold income mainly goes to governments instead of laborers(the former recirculates it, the latter hordes it in banks).

To Install:
Use mod as is for Vanilla installs of Victoria II, tested only using all expansions.

Drag contents of ZIP into Victoria2\mod
Tick box in launcher and run the game!

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To see if the mod is working open the console ~ type
money 3300000
press enter, Close console ~ wait about a month and you should see Tax Refund event occur that returns money back to the POPs from your treasury. The event should repeat until you are down to £3,100,0000 -£3,200,0000.

If you check your decisions you should see the three levels of tax refunds you can give. This makes taxes less efficient to collect if desired, which slows progress to the £3,300,000 limit. Once you enact a refund decision you can also repeal that decision and normal tax and tariff level collecting will resume. To see the inefficiencies in action check your budget and hover over the tariff section and the tool tip will indicate a tax refund is in effect.

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After unzipping, you should see
( location for example purposes, yours may be different)
C:\...\Steam\steamapps\common\Victoria2\mod\

ViconomicNGTR (folder with more folders and files inside)
ViconomicNGTR.mod
Readme ViconomicNGTR.txt(this file)
(any other mods)

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Version Update 1.1 Treasury Caps raised to address an issue discovered by BILHGL (Paradox Forums):

"I've played two campaigns with this mod and both time from 1880's onward the Ai great powers would persistently have no military, France for about a 20 year stretch at 0 units, and the other great powers would never have more than 20 or so. They constantly had military units under construction and had industries producing the necessary goods. Their units would just be deleted a while after construction."

Runninng some games using a spectator hands off observer mod
Forum.paradoxplaza.com

Some AI's were not building armies as they did in a vanilla game.
It seems the AI's needed a certain minimal amount of money in their National Treasuries else some of them built smaller than usual armies as described by BILHGL. Ths situation did not seem to come up with the Bearhobag of Reddit tests, but that was not the focus and perhaps it wss not looked for

With the higher caps the AI army building in VICONOMIC should be in line with Vanilla. The point of the mod is to not have the AI hoarding millions as in Vanilla:

A casual check of the Great Powers:
Vanilla
1 England 170m
2 USA 12m
3 Italy 31m
4 Russia 48m
5 Germany 101m
6 Spain 798k
7 Japan 42m
8 China 15m

Viconomic
All great powers have NO MORE than 3.1m to 3.2m in their treasuries, the rest have been redistributed back to their people!