diff --git a/src/lib/global/options.c b/src/lib/global/options.c
index c0567817..aad1ec12 100644
--- a/src/lib/global/options.c
+++ b/src/lib/global/options.c
@@ -48,7 +48,7 @@ int opt_GUINEA_PIGS = 0;
 int opt_HIDDEN = 0;
 int opt_INTERDICT_ATT = 1;
 int opt_LANDSPIES = 1;
-int opt_LOANS = 1;
+int opt_LOANS = 0;
 int opt_LOSE_CONTACT = 0;
 int opt_MARKET = 0;
 int opt_MOB_ACCESS = 0;
@@ -57,7 +57,7 @@ int opt_NOMOBCOST = 1;
 int opt_NO_FORT_FIRE = 0;
 int opt_NO_PLAGUE = 1;
 int opt_PINPOINTMISSILE = 1;
-int opt_RAILWAYS = 0;
+int opt_RAILWAYS = 1;
 int opt_RES_POP = 0;
 int opt_SAIL = 1;
 int opt_SLOW_WAR = 0;