(buy, check_market, trad, check_trade): Remove the following virtually

undocumented feature: When a buyer didn't have enough money at the
time of the trade, the seller *automatically* granted a high-interest,
medium term loan for up to 90% of the price.  This is just a silly
trap for unwary sellers and buyers alike.
(N_FIN_TROUBLE, N_CREDIT_JUNK): Unused, remove.
(rpt): Update accordingly.

include/news.h

@@ -137,8 +137,8 @@ struct rptstr {
 #define N_PARA_UNOCC	75
 #define N_ALOSE_SCT	76
 #define N_PLOSE_SCT	77
-#define N_FIN_TROUBLE   78
+/* unused		78 */
-#define N_CREDIT_JUNK   79
+/* unused		79 */
 #define N_WELCH_DEAL    80
 #define N_LND_LOSE      81
 #define N_BOARD_LAND    82

info/Commands/buy.t

@@ -25,11 +25,6 @@ Typical output looks like:
 Looks just like Christmas at K-mart, doesn't it!
 
 Which lot are you bidding on: 1
-WARNING!  This market issues credit.  If you make more
-  bids than your treasury can cover at the time of sale,
-  you can potentially go into financial ruin, and see no
-  gains.  You have been warned.
-
 How much per unit: 2
 destination sector : 3,1
 Your bid is being considered.

info/Commands/newspaper.t

@@ -24,7 +24,7 @@ Which will print the news for the last two days.
 You can select whose news to see with the ?actor or ?victim selectors,
 and what news to see with the ?action selector.  Actions are:
 .nf
-     1)  Successful Sector attack       
+     1)  Successful sector attack       
      2)  Unsuccessful attack            
      3)  Spy shot                       
      4)  Telegram sent                  
@@ -96,8 +96,6 @@ and what news to see with the ?action selector.  Actions are:
      75) Paradrop into unoccuppied land
      76) Failed assault
      77) Failed paradrop
-     78) Forced loan taken out (by the market)
-     79) Forced loan denied (by the market)
      80) Failed boarding of a land unit
      81) Successful boarding of a land unit
 .fi

info/Commands/trade.t

@@ -24,11 +24,6 @@ Typical output looks like:
    0 $   1000   2  0.06 hrs (  2)  tech 0 100% inf1  infantry 1 [f:21 ] #3
 Which lot to buy: 0
 Destination sector: 4,0
-WARNING!  This market issues credit.  If you make more
-  bids than your treasury can cover at the time of sale,
-  you can potentially go into financial ruin, and see no
-  gains.  You have been warned.
-
 How much do you bid: 1100
 Your bid on lot #0 is being considered.
 .FI

src/lib/commands/buy.c

@@ -105,10 +105,6 @@ buy(void)
 	pr("You can't bid on your own lot.\n");
 	return RET_OK;
     }
-    pr("WARNING!  This market issues credit.  If you make more\n");
-    pr("  bids than your treasury can cover at the time of sale,\n");
-    pr("  you can potentially go into financial ruin, and see no\n");
-    pr("  gains.  You have been warned.\n\n");
     if ((p = getstarg(player->argp[3], "How much per unit: ", buf)) == 0)
 	return RET_SYN;
     bid = atof(p);
@@ -219,11 +215,6 @@ check_market(void)
     double monleft;
     double gain;
     double price;
-    struct lonstr loan;
-    long outstanding;		/* Outstanding debt */
-    long couval;		/* Value of country's goods */
-    int foundloan;
-    int j;
 
 /*    logerror("Checking the market.\n");*/
     for (n = 0; getcomm(n, &comm); n++) {
@@ -261,63 +252,6 @@ check_market(void)
 	/* Subtract the amount of money that needs to come out in a loan. */
 	subleft = monleft;
 
-	if (opt_LOANS) {
-	    /* Try to make a loan for the rest from the owner. */
-	    if (monleft > 0 && tmoney > 0) {
-		if ((float)((float)price / (float)(price + monleft)) < 0.1) {
-		    wu(0, comm.com_maxbidder,
-		       "You need at least 10 percent down to purchase something on credit.\n");
-		} else {
-		    couval = get_couval(comm.com_maxbidder);
-		    outstanding = get_outstand(comm.com_maxbidder);
-		    couval = couval - outstanding;
-		    if (couval > monleft) {
-			/*  Make the loan */
-			foundloan = 0;
-			for (j = 0; getloan(j, &loan); j++) {
-			    if (loan.l_status != LS_FREE)
-				continue;
-			    foundloan = 1;
-			    break;
-			}
-			if (!foundloan)
-			    ef_extend(EF_LOAN, 1);
-			loan.l_status = LS_SIGNED;
-			loan.l_loner = comm.com_owner;
-			loan.l_lonee = comm.com_maxbidder;
-			loan.l_irate = 25;
-			loan.l_ldur = 4;
-			loan.l_amtpaid = 0;
-			loan.l_amtdue = monleft;
-			time(&loan.l_lastpay);
-			loan.l_duedate =
-			    (loan.l_ldur * SECS_PER_DAY) + loan.l_lastpay;
-			loan.l_uid = j;
-			if (!putloan(j, &loan))
-			    logerror("Error writing to the loan file.\n");
-			else
-			    monleft = 0;
-			nreport(comm.com_maxbidder, N_FIN_TROUBLE,
-				comm.com_owner, 1);
-			wu(0, comm.com_maxbidder,
-			   "You just took loan #%d for $%ld to cover the cost of your purchase.\n",
-			   j, loan.l_amtdue);
-			wu(0, comm.com_owner,
-			   "You just extended loan #%d to %s to help with the purchase cose.\n",
-			   j, cname(comm.com_maxbidder));
-		    } else {
-			nreport(comm.com_maxbidder, N_CREDIT_JUNK,
-				comm.com_owner, 1);
-			wu(0, comm.com_maxbidder,
-			   "You don't have enough credit to get a loan.\n");
-			wu(0, comm.com_owner,
-			   "You just turned down a loan to %s.\n",
-			   cname(comm.com_maxbidder));
-		    }
-		}
-	    }
-	}
-
 	if (monleft > 0) {
 	    nreport(comm.com_maxbidder, N_WELCH_DEAL, comm.com_owner, 1);
 	    wu(0, comm.com_maxbidder,

src/lib/commands/trad.c

@@ -257,11 +257,6 @@ trad(void)
 	}
     }
 
-    pr("WARNING!  This market issues credit.  If you make more\n");
-    pr("  bids than your treasury can cover at the time of sale,\n");
-    pr("  you can potentially go into financial ruin, and see no\n");
-    pr("  gains.  You have been warned.\n\n");
-
     if ((p = getstring("How much do you bid: ", buf)) == 0 || *p == 0)
 	return RET_OK;
     if (!trade_check_ok(&trade, &tg))
@@ -298,7 +293,6 @@ int
 check_trade(void)
 {
     int n;
-    int j;
     struct nstr_item ni;
     struct plnstr plane;
     struct lndstr land;
@@ -311,10 +305,6 @@ check_trade(void)
     double tleft;
     float price;
     int saveid;
-    struct lonstr loan;
-    long outstanding;		/* Outstanding debt */
-    long couval;		/* Value of country's goods */
-    int foundloan;
 
 /*    logerror("Checking the trades.\n");*/
     for (n = 0; gettrade(n, &trade); n++) {
@@ -368,62 +358,6 @@ check_trade(void)
 
 	subleft = monleft;
 
-	if (opt_LOANS) {
-	    /* Try to make a loan for the rest from the owner. */
-	    if (monleft > 0 && natp->nat_money > 0) {
-		if ((float)((float)price / (float)(price + monleft)) < 0.1) {
-		    wu(0, trade.trd_maxbidder,
-		       "You need at least 10 percent down to purchase something on credit.\n");
-		} else {
-		    couval = get_couval(trade.trd_maxbidder);
-		    outstanding = get_outstand(trade.trd_maxbidder);
-		    couval = couval - outstanding;
-		    if (couval > monleft) {
-			/*  Make the loan */
-			foundloan = 0;
-			for (j = 0; getloan(j, &loan); j++) {
-			    if (loan.l_status != LS_FREE)
-				continue;
-			    foundloan = 1;
-			    break;
-			}
-			if (!foundloan)
-			    ef_extend(EF_LOAN, 1);
-			loan.l_status = LS_SIGNED;
-			loan.l_loner = trade.trd_owner;
-			loan.l_lonee = trade.trd_maxbidder;
-			loan.l_irate = 25;
-			loan.l_ldur = 4;
-			loan.l_amtpaid = 0;
-			loan.l_amtdue = monleft;
-			time(&loan.l_lastpay);
-			loan.l_duedate =
-			    (loan.l_ldur * SECS_PER_DAY) + loan.l_lastpay;
-			loan.l_uid = j;
-			if (!putloan(j, &loan))
-			    logerror("Error writing to the loan file.\n");
-			else
-			    monleft = 0;
-			nreport(trade.trd_maxbidder, N_FIN_TROUBLE,
-				trade.trd_owner, 1);
-			wu(0, trade.trd_maxbidder,
-			   "You just took loan #%d for $%.2f to cover the cost of your purchase.\n",
-			   j, (float)loan.l_amtdue);
-			wu(0, trade.trd_owner,
-			   "You just extended loan #%d to %s to help with the purchase cost.\n",
-			   j, cname(trade.trd_maxbidder));
-		    } else {
-			nreport(trade.trd_maxbidder, N_CREDIT_JUNK,
-				trade.trd_owner, 1);
-			wu(0, trade.trd_maxbidder,
-			   "You don't have enough credit to get a loan.\n");
-			wu(0, trade.trd_owner,
-			   "You just turned down a loan to %s.\n",
-			   cname(trade.trd_maxbidder));
-		    }
-		}
-	    }
-	}
 	if (monleft > 0) {
 	    nreport(trade.trd_maxbidder, N_WELCH_DEAL, trade.trd_owner, 1);
 	    wu(0, trade.trd_owner,

src/lib/global/news.c

@@ -210,10 +210,8 @@ struct rptstr rpt[] = {
 /* 76*/	  	     "naval forces massacred in failed assault of %s" } },
     {-4,  N_FRONT, { "paratroopers destroyed in failed air-assault on %s",
 /* 77*/	  	     "loses parachutists in failed air-assault of %s" } },
-    { 0,  N_ECON,  { "is forced into debt to %s by bad management",
+/* 78*/ { 0, 0, { no_news, no_news } },
-/* 78*/	  	     "shows bad financial planning" } },
+/* 79*/ { 0, 0, { no_news, no_news } },
-    { 0,  N_ECON,  { "has its credit rating downgraded to unworthy status",
-/* 79*/	  	     "is denied credit by %s due to lack of collatoral" } },
     { 0,  N_ECON,  { "is unable to fulfill its financial obligations to %s",
 /* 80*/	  	     "welches on a deal with %s" } },
     { -3, N_FRONT, { "is repelled by %s while attempting to board a land unit",