Mr. Games, I am confused by what you are saying about EPA? What is a de facto penalty? If I am reading you right, you seem to be saying that only the most profitable option at any time is worth pursuing? I personally cannot agree with this interpretation; for me, Fallen London is not a game entirely about increasing the amount of imaginary wealth I have, as that would be so limiting as to cut off nearly every single activity that FBG has ever implemented.