# Accountant

Economists are responsible for your bank account and can get you profits from assets and debts. The result of their work shows with the financial update in your country. You have to calculate the interest with two different formulas, depending on whether you have a negative or positive balance.

### 1. Credit Interest (positive balance)

For a positive balance, the interest rate is calculated like this:

interest rate = 0.3% * SQRT([amount of economists])

hence

interest = 0.003 * SQRT([amount of economists]) * [money on account]

It is important to point out, that interest is always rounded (down) to the next full 100 value, so the above formula is not 100% correct.

The maximum interest is 100.000 €, this is why you start needing less economists when your account reaches 10.944.444 €

### 2. Debit Interest (negative balance)

The interest profit for a negative balance is 20% of the interest paid the week before. If you had -150.000 on your bank account the week before, you paid 5% = 7500 € interest and the economist can generate 1500 € profit from this:

interest = [money on account in previous week] * 0,05 * 0,2

or

interest = [money on account in previous week] * 0,01

2 economists can save 30% of the paid interest in the previous week:

interest = [money on account in previous week] * 0,05 * 0,3

or

interest = [money on account in previous week] * 0,015

So remember to fire the economist/s *after* the next update, as they will get you a profit, even if you made it out of the negative balance with this next update.

### 3. Interest Table

The table below shows how many economists you should hire to optimize profit. But keep in mind, that you have to pay them a compensation when you fire them. If you hire an economist with a balance of e.g. 550.000 €, it will take a very long time until you've earned the 1500 € compensation:

0.3% * SQRT(1) * 550000 = 1650 .

Hence, you make 150 € profit each week after costs for the economist, so in 10 weeks you have earned the compensation, in 11 weeks you make the first profit. In other words, economists are good if you save money longer term. Economists can be a waste of money if you maintain your balance only for a short time.

economists needed | Minimum balance | Maximum balance | Note |
---|---|---|---|

2 | --- | -350.000 € | |

1 | -350.000 € | -200.000 € | |

0 | -200.000 € | 500.000 € | |

1 | 500.000 € | 1.300.000 € | |

2 | 1.300.000 € | 1.550.000 € | |

3 | 1.550.000 € | 2.000.000 € | |

4 | 2.000.000 € | 2.150.000 € | |

5 | 2.150.000 € | 2.500.000 € | |

8 | 2.500.000 € | 3.100.000 € | |

10 | 3.100.000 € | 10.950.000 € | |

9 | 10.950.000 € | 11.590.000 € | 100.000 interest reached, so less economists are needed |

8 | 11.590.000 € | 12.475.000 € | |

7 | 12.475.000 € | 13.500.000 € | |

6 | 13.500.000 € | 14.710.000 € | |

5 | 14.710.000 € | 16.425.000 € | |

4 | 16.425.000 € | 18.955.000 € | |

3 | 18.955.000 € | 23.465.000 € | |

2 | 23.465.000 € | 32.840.000 € | |

1 | 32.840.000 € | --- € |