Firstly, let me just say that I love what Expensify does for my business. It has really streamlined the process of getting my employees receipts, reviewing them, and getting them into QuickBooks.
I'm curious, however, if other business owners are frustrated with Expensify Marketing. I feel like most products where our business pays the bill and prescribes the solution as a matter of policy, we have the ability to manage how much contact our employees receive from the company. I feel as if, between email marketing and junk on the splash screen after login, Expensify is overwhelmingly pushing the way they think our business should handle expenses onto our employees. From the Expensify Card to Automatic Approval, Expensify thinks there are certain ways things should be done, and tries to market those to the entire employee base... instead of the owner or accounting departments - who actually set the policies. I find it particularly frustrating the Expensify will not allow a company-wide unsubscribe, or management of the email content they send. I expect I'll be looking for Exchange Rules for managing this messaging in the future... but I'm wondering if other small business owners find this as frustrating as I do.
Here's an example email that they want my employees to read, while I'm paying those employees to work:
Tl;dr- Starting today, we will donate part of every USD purchase made with your Expensify Card to a purchase-appropriate charitable fund (namely: climate change for travel purchases, homelessness for hotel purchases, hunger for restaurants, etc). We're making this possible through our new direct-reimbursement charitable arm, Expensify.org. Just use the Expensify Card for any business purchase like normal, and you'll earn Karma Points that we'll donate on your behalf, along with an instant notification about which cause that purchase supported. I've spent more than ten not-so-patient years preparing to share this story. But before I do, I need to admit something. Even though we've been used by over a million businesses, and we process tens of billions of dollars in payments… Expensify was never supposed to exist. When my last company got acquired, I was living in the Tenderloin in San Francisco, and passed the same homeless folks on the street every day. There are a lot of opinions on this, but I've never felt super comfortable giving cash directly — especially in a city like San Francisco that (at the time) had good facilities for the homeless, but only if you showed up sober. And if you weren't sober, it might be due to someone giving you cash to spend on drugs or alcohol. So I wanted to help, but I wasn't sure how to do it without doing more harm than good — and I figured the most obvious place to help was not with cash, but food. After some awkward forays bringing people directly into restaurants to get a hot meal, I concluded that it wasn't very scalable. I considered gift cards, but it's a $10 gift card for a $7 value meal; that last $3 is real awkward to use. But what if I made a system that loaded the gift cards on demand for exactly the amount of the purchase, in the few milliseconds while the server is authorizing the transaction? Limit it to 1 purchase per day, for at most $10, and restrict it to restaurants that don't serve alcohol, and voila! A secure platform for feeding the homeless, funded by my personal credit card, with cards I could give to all the regulars I saw in my neighborhood. I went to the banks with this idea and they were like… "Uh, what? How do you deal with PCI compliance, and money laundering, and money transmission licensing, and a million other things? And there is no business model: you are just giving out money on a few dozen cards to people in your neighborhood? There's no way I'll help you. This is too weird, too risky. I'm out." Undeterred, I thought Ok, how do I make this sound safe… boring. What is the most boring application of these cards I can imagine as a cover story… aha! Expense reports! And that is truly what started all of this. So I went back to those banks and they were like "Oh, that sounds safe, boring, and I hate my expense reports too! How does it work?" I was caught off guard by this totally obvious question, because I actually had no idea about this industry and no real intention of building any of it. But I had a huge supply chain of vendors I needed to impress, so I just started saying "yes" to everything everybody asked: "This new iPhone thing, does it support it?" Even though it doesn't have an app store yet so it's impossible, "Yes we totally have an iPhone app." "Does the app scan receipts?" Even though the original iPhone's camera was so bad it made completely illegible receipt images, "Yes, totally we scan receipts." "Does it reimburse through ACH?" I've never heard of those letters before, but "Yes we totally do that." "Does it export to accounting?" "Yes, it obviously exports to QuickBooks and… you know, all the others." And so on. By the time I launched at TechCrunch 50 in 2008, I had a well rehearsed story of a truly magical (albeit completely fictional) expense management system called "Expensify: The Corporate Card for the Masses!" It went something like this: Expensify is a mobile app linked to a corporate card that provides secure access to company funds within strict spending limits and receipt requirements, combined with a next-day cash reimbursement system, all of which seamlessly exports to QuickBooks and every other accounting package in the world. Basically, the same exact technology I wanted to build for my platform for feeding the homeless, but wrapped in a fictional startup. And people loved it. Strangers came up and hugged me, talking about how much time they thought I was going to save them. And I was like… "Uh, cool man, maybe someone will do all that, but definitely not me. I just want to give out cards to hungry people on the street." Then the economy collapsed, my savings were wiped out, and I lost my job all in quick succession. That kind of shock will make anyone reevaluate their priorities, and forced me to adopt a attitude of, "Put on your oxygen mask before helping others" — especially since making a real dent in this problem will require a lot more resources than one guy handing out cards to the people in his neighborhood. So armed with little more than a popular brand for a nonexistent mobile app that did perfect mobile receipt scanning atop a phone with an illegible camera and no app store, I got started. And it all would have ended very quickly, had two lucky things not happened: the App Store opened, creating a free channel to distribute this app, and the next iPhone had an auto-focus camera that took crystal clear receipt images on the road. That kicked off a ten year journey to actually make that mythical dream into a practical reality for millions of people around the world. But over those years, the initial idea has been nagging at me the whole time. Which brings us to today, and why I'm writing this to you now. No, we're not launching the original homeless card idea. (Not yet, at least…) We're launching something much, much bigger. As you might know, we launched the Expensify Card a couple months ago, and it's even better than what I was proclaiming to the world back in 2008. (If you don't already have yours, request it right now in your Expensify Inbox : it's completely free for you and all Expensify customers.) But like all corporate cards, our initial "perks" were focused at business owners — free AWS credits, discounted Stripe fees, and so on. To be clear, those perks are great… if you're the owner. Which there's a 99% chance you aren't, as employees outnumber owners a hundred to one. So while the card we launched in October is by far the best in the world for owners, we want it to be the absolute best for employees too. To be clear, the Expensify Card is already pretty rad for employees: thanks to our integrated eReceipt feature, you almost never need to scan receipts for Expensify Card purchases. Even better, you don't need to pay extra interest on your personal card to extend a zero-interest loan (aka, "expense report") to your employer. And those two features alone in practice are what people love the most. But those benefits are hard to appreciate before experiencing them, so we wanted something a bit easier to imagine to differentiate the card. In the search for some other employee-focused perk to offer, we first checked out the competition. To our surprise, we couldn't find a single company-issued corporate card that offers perks to employees: they're all so focused on offering rewards to business owners for employee spend (which makes sense, as they are the decision-makers), that card issuers ignore the people actually spending the money. So, bad news for basically every corporate card holder in the world. But good news for us that the competition is so easy to beat in this regard! Given this, we started looking at the reward programs of personal cards for inspiration. The most common is something like "1% cash back!" Which basically amounts to a 1% discount on everything you buy. How is that exciting to anybody? I've never seen an ad saying: "Going out of business sale! Everything must go! 1% OFF EVERYTHING!" Then we looked into point programs, but wow, the math is pretty brutal. After you swallow the "hook" of free points to sign up, it's real hard to make the points you earn later justify all the hidden fees and extra interest payments. The large print giveth, the small print taketh away. If "points" were instead called "pennies" then nobody would care about them — even though they aren't even worth pennies. Points are like pennies you can only spend on a full moon at an invisible concession stand guarded by pumas. I'm sure many, many will disagree, but it seems like the whole points game exploits the same statistical fallacies (and questionable motivations) as casinos: the billboards show ordinary people with fists full of money living lavish lives, but in reality the house always wins. Rewards worth hundreds of billions of dollars go unredeemed every year, and most people with rewards cards spend more in fees and interest than the paltry rewards they earn. Reward cards have done an amazing job convincing people that they mint free money or are some kind of status symbol, but really they are just keycards to casinos that have worse odds than the real thing — and when gambling for points, you don't even get free drinks. They're perhaps an effective way to trick people into making poor life choices, but that's not what we had in mind as the inspiration for our card. At the end of the day, the margins on these cards are so incredibly thin that revenue from the program is literally measured in pennies on the dollar — meaning reward programs are fractions of pennies. And when you remove all the marketing spin and statistical subterfuge, splitting something as small as fractions of pennies between a million different cardholders isn't inspiring, to anyone. But what if we instead combined all those millions of fractions of pennies, and put them into the hands of those who need them a whole lot more than we do? What if we weren't trying to fragment millions of pennies between people who are lucky enough to have a credit card, but instead combine them into a central place where they can be collectively spent accomplishing something meaningful? That's the idea behind the Expensify Card's reward program, the spirit of which is best captured by this simple name: Karma Points. The Expensify Card's Karma Points program costs you nothing, and is completely automatic. We're taking the tiny amount that every other provider tries to convince you is a big deal, and instead giving it to someone to whom it is a big deal. In short, we're donating 10% of all revenue (which is way, way more than 1% of profit) from the Expensify Card towards making the world a little better, one swipe at a time. Where does the money go? Like before, we looked to others for inspiration — with Amazon Smile topping the list. But again, we need to be realistic about how much all these pennies add up to. Amazon Smile has donated $156 million to date, which is impressive. But these donations are spread across a million charities, or like $156 per charity. As such, instead of fragmenting our donations and barely creating a dent in a million charities, we decided to concentrate them and thereby create a meaningful dent in fewer places. To maximize simplicity and participation in the program (which again is completely free and automatic for you — like Smile, but without needing to remember to do it), we've picked five areas to fund that are organized around keeping people off the streets, getting hungry kids meals, and climate change. And rather than asking you which fund to support, we're going to pick one for you based on the type of purchase you make: • Expensify.org/hunger - Buy a meal; give a child reliable access to school lunch • Expensify.org/homes - Book a hotel; reunite someone with their family for good • Expensify.org/climate - Book a flight; capture carbon to mitigate the worst effects of climate change • Expensify.org/youth - Buy office supplies; reconnect graduating foster kids and parents • Expensify.org/reentry - Pay your bills; help someone get back on their feet after incarceration While this automatic offsetting feature is built into every purchase with the Expensify Card, no company has perfect corporate card compliance. So for those companies that want to go a step further by offsetting their non-Expensify Card purchases, please enable our Corporate Offset feature, which will automatically make a donation just like we do for our Expensify Card, but for all your approved expenses. Not in a position to decide this for your company but you still want to participate? No problem: enable Personal Offsets and we'll use the same logic to make a donation for each purchase you track with Expensify, whether for business or pleasure. Not an Expensify user yet? Still no problem: go to Expensify.org/donate to join as a founding member for only $20/month. Regardless of how you join, once a member you'll be a part of creating something new and special, and will be the first in line for future events and initiatives that even this overly long newsletter doesn't have room to discuss. And that's it! Now you know the secret to Expensify's origin, how the Expensify Card fulfills our original dream (albeit in a different, better form), and how Expensify.org is a new kind of charity building a global community based on transparent and direct engagement with people in need. It's not quite as splashy as 2 Chainz and Adam Scott in our Super Bowl ad last year . But as this new decade opens upon a series of challenges almost impossibly daunting, it seems clear we need everyone to take a second look at what resources they have at their disposal that could be more constructively applied — the most important of which is time. We are inundated by messages, messengers, and memes calculated to enrage us all, to a point of paralysis. There are countless thousands of engineers who are devoted to perfecting social networks, seemingly designed for little purpose but to reinforce our confirmation biases by scouring the global detritus of amateur tabloids. There are countless millions of people crafting these messages, using these tools, and harnessing your incapacitating anger to further their ends. It's easy to give up, to accept that They are responsible, and that You are helpless. My resolution in 2020 is to turn off that noise, and I'd ask you to do the same. Turn off the talking heads on TV. Turn off the echo chamber online. Stop being the fuel for their machines. Stop caring so much about the outrageous thing that person you don't know did in that place you can't find on a map, and redirect that caring to the people living on the street outside your door, to the kids struggling to get lunch at your kid's school, and into truly constructive action to solve the sobering problems facing this world. At Expensify, we saw an opportunity to transform an expense management platform literally picked because it was the dullest thing in the world, into a globally-distributed platform for locally-applied charity. We spent a staggering amount of time, money, and creativity to make it real. But we're just one company. The Expensify Card is our way of helping all companies not just save hours doing expenses, but truly combine forces to save the world, one swipe at a time. This is our world after all, and for the foreseeable future, we've only got the one. Let's make the most of it. -david Founder and CEO of Expensify Sent by: Expensify, Inc - 548 Market St #61434 - San Francisco, CA 94103
I just feel like, if I'm paying Expensify every month, I should be able to control what they email to my employees. I did ask Expensify Support, and they indicated that each employee must unsubscribe directly. What do you think? Is this good business?
EEDrew
Preface:
When I have asked people to describe the current EVE meta, the responses have overwhelmingly included the word “
stale,” with numerous complaints centered around botting, risk aversion, the condensation and supremacy (both in the game and in game updates) of null
mega-blocs (which everyone knows are inferior to LEGOs), and the general lack of content variety that once was the hallmark of EVE. EVE Online is very much an economic sandbox, and any economist with more than three brain cells to rub together could tell you that in entirely unregulated systems, the largest and most established corporations will subsume the others around it, quickly gobbling up any newcomers to the market to eliminate competition (See: AOL-Time Warner-Pepsico-Viacom-Halliburton-Skynet-Toyota-Taco Bell-Trader Joe's), and what we see in EVE is no different: groups that are already large and powerful have the means to gain money, power, and influence at a rate much larger than that of smaller groups (rorqual moon mining, super ratting, jump bridges, etc.).
This set-up creates what is essentially a
regressive tax on smaller entities: they have no way to compete with already-established entities, now or in the future, because they will always be at a disadvantage compared to the mega-bloc (barring some massive influx of external capital; see: Casino Wars). What this means is that the EVE player base is basically like the
Catholic Church: the general population is the old guard, established folks who control the doctrine (see what I did there?), with relatively few newcomers attracted or able to establish themselves. As people leave to pursue activities in meatspace or burn out, there is little new blood to replace them, and CCP’s recent strategy of making up for this lack of new players with having the old folks get multiple subscriptions (because you need to have a tackle alt, a cyno alt, a super alt, and a FAX alt, right?) makes decent economic sense for the company (in the short run), but definitely condemns the game to a slow death.
So, what I present here are a series of what I will call “revolutionary” ideas; ideas that range from freshening the meta to make it more viable for new players to gain a foothold in this crazy game universe to collapsing core game mechanics in ways that would likely result in a huge uproar from EVE’s player base. I do not necessarily claim that any of these are
good ideas, but they are definitely
interesting ideas to consider and discuss and are based off personal pet peeves I have had while playing EVE over the past few months.
Wow that was a long fucking intro. Jesus, let’s get to it.
I. Fix Low Sec and Faction Warfare
New players start off in high sec with very limited resources, and the game implies that low security space is a way for players to dip their toes into PVP, piracy, and other game mechanics that are excluded from hisec. Especially prominent to new players is the Factional Warfare mechanic, which provides new players with a ready-made group of allies, chances for PVP, and roleplaying opportunities. Theoretically, low sec and faction warfare mechanics should reward these players for their gumption… in reality, that’s not what happens.
Low security (especially the FW Warzone) space is plagued by numerous issues, and I am going to attempt to address some of them here with some indecent proposals:
- Ban supers and titans in lowsec: from a logical standpoint, this makes sense. No caps in hisec; regular caps allowed in low; supers allowed in null. It also makes sense from a lore standpoint as empires may not want capsuleer titans wandering around their space willy-nilly. On top of that, it makes it much harder for null-based entities to deploy a massive super fleet to sweep every smaller group out of low sec so they can essentially use it as an auxiliary to its own space (looking at you, Snuff). Supers and titans are huge, expensive, and only available to the truly wealthy. They should not be in low sec if low sec is meant to be viable for new players as an induction into PVP. On a personal note, if I have one more assault frigate killed by a cloaked supercarrier outside a plex, I may explode.
- Ban cloaking devices inside and outside faction warfare plexes: Tell me, what is the point of going to a novice complex (only T1 frigates allowed in) if a cloaky insta-lock Loki can just sit outside the acceleration gate and blap anything that tries to come in? Or how about the aforementioned scenario of a cloaked supercarrier sitting near the gate just waiting for their tackle alt to grab someone before they can slide in. Alternatively, there could be damage clouds outside plexes that punish people more frequently the longer they sit out there (after 1 minute sitting there you take 1000 omni damage, after 2 minutes, you take 10k omni damage, after 5 minutes you take 100k omni damage, etc.). This second method has all sorts of problems with it, but damn would it be interesting.
- Make the insta-slide a thing again!: Up until a few months ago, if you landed on the acceleration gate, and hit the gate as soon as you landed, you would always warp into the FW complex. You could not be pointed or scrammed outside, so long as you took the gate immediately. This mechanic was critical to ensuring that if you showed up to a small plex, you would fight frigates and destroyers, not T3Cs and supers. A super-easy fix to a really discouraging problem for new players.
- Dramatically increase victory points per complex run: As it stands now, a faction must run 150 complexes to completion (plus additional complexes for each complex the enemy faction has run) in order to bash the infrastructure hub. Each complex takes between 10 and 20 minutes to run. Why in hell is the grind so pointless and vicious?! In Fozziesov (which is basically FW on crack), each node captured stabilizes or destabilizes the structure by 6-7% (albeit on a timer). In FW, each complex stabilizes or destabilizes the system by 0.6%! Yes, you read that right: a fraction of one percent. You can circle the beacons for days and never get anywhere close to making the system vulnerable (especially since all those deplexing bots get to the system while you sleep). Reducing the number of necessary plexes to 25 or even 50 could make FW seem less like pounding your head against a brick wall and makes FW viable and engaging gameplay for small- and mid-sized groups.
- Severe warzone structure restrictions: Arguably the biggest problem facing FW today is that control of the warzone is pointless. If the enemy faction captures your staging system, it used to be a critical blow, as now all your stuff was locked inside a station you could not access. With the introduction of citadels, that situation has changed drastically and was never addressed or altered in any meaningful way. If my faction loses control of a system, my Fortizar works just fine. In fact, my industrial facilities can benefit from system FW bonuses even if it is not my faction that owns the system. I could be looking at 50% reduced industry costs while sitting deep in enemy territory. How does that make sense? Thus, my insane proposal for this is to drastically reduce citadel function in lowsec systems in the FW warzones by (forgive the shitty indents, reddit):
a. Preventing anchoring of structures in space controlled by the enemy faction. Any structures in enemy space (after a system flip) automatically enter low-power mode and do not have
any services, including docking and tethering. To prevent "enemy holding corporations," there would additionally need to be an "ACL Override" that would prevent enemy milita from docking/tethering in these structures in the warzone, regardless of the standings/ACLs of the corporation that owns them (e.g. I could not just make a one-man Calmil corporation just to anchor an astrahus that Galmil can dock in in Caldari space).
b. Removing neutral structures: Structures belonging to groups that are not engaged in factional warfare cannot be anchored in the FW warzone, and any structure in the warzone transferred to a neutral entity automatically enter low-power mode and disallow all docking and tethering. Neutral toons can still dock at NPC stations, but cannot dock or tether at citadels owned by either faction. This method is extreme, but necessary to avoid FW groups just using holding corporations to place structures in enemy space.
Implementing these proposals means that system sieges could
actually mean something. Imagine if all your citadels could be shut down because the enemy controls your space! Wouldn’t that be some high-stakes excitement, compared to the boring “who gives a crap if we lose space” attitude prominent in FW groups nowadays?
It is also worth noting that not ALL of lowsec is in the FW warzone, so there are plenty of places for industry groups, pirates, etc. to go other than the warzone. If FW is made more dynamic with VP changes, the warzone could also conceivably be reduced in size (with more becoming a specific empire’s space permanently) to allow for non-FW content to thrive in those areas as well.
II. Make stationary mega-blocs less viable in the long-term, especially those utilizing botting.
The idea of a
Delve-hour is a cancerous lesion upon the entire EVE community: one group (admittedly through its own trials and tribulations) has a near-impenetrable region of space that produces massive amounts of resources, industrial products, and NPC bounties in quantities that rival or even dwarf trade hubs on a monthly basis. And the real kicker is: the more they harvest, the more they farm, the more they grind, the more resources, rats, and grindrs are available to them. Thus, their wealth creates a positive feedback loop that ensures that no one will ever truly be able to compete with them. This situation is certainly not unique to Goonswarm Federation (and I do not bear them, nor Snuff, nor any other group ill will for exploiting the game mechanic in their favor) but it is not long-term sustainable if CCP wishes to attract new players. Additionally, trillions upon trillions of ISK every month are generated through botting (or just plain AFKing) with VNI ratting in near-untouchable space with vast intel networks (galaxy-wide, obviously not just in Delve). Thus, I propose two changes, one relatively minor that may (or may not) help with dealing with the VNI’s bullshit, and one that would fundamentally alter (read: break) the structure of the game forever.
- Make VNI ratting take literally any conscious effort: I know, this is a pretty low bar to set, but even some really stupidly simple changes like increased drone aggro against drone boats by rats and removing the drone “aggressive” auto-attack means that people (or bots, let’s be real) would actually have to put SOME effort into ratting. In any ship other than a drone boat, a player has to make a conscious choice to engage each enemy, depleting ammunition, reloading, maintaining appropriate range. In VNIs, all of that is done for you automatically: no ammo is depleted, you never have to reload, you just need to orbit a rock prop-on and go cook dinner while the money pours in. Now, in fairness, these changes could discourage real players from ratting while not really addressing the core issue of botters, but people just printing money with 0 actual game inputs seems incredibly brokento me.
- Resource Depletion and Scarcity: This is arguably the worst, best, least viable, and most interesting suggestion I have for this post. It was spurred by two stimuli: Firstly, a discussion I had with a friend about how good of an economic simulator EVE is. For those who have never taken economics, the entire field is more or less predicated on two assumptions: that people will generally act in a way that serves their self-interest and that resources are scarce. The first assumption holds up pretty well in EVE, but the second fails massively because asteroid belts respawn every day after downtime in the same place with the same amounts of minerals; the more ore you mine in null sec, the MORE ore anomalies spawn; the more NPC pirate rats you kill for their bounties, the more show up in your system. That doesn’t seem… quite right. (Yes, I know it is ostensibly to "reward" groups for being active in their space, but should there be no limit to that?) The second factor that pushed me to make this suggestion was actual flavor text from the game itself, specifically the one for “Small Asteroid Cluster” anomalies: “In the past, scientists shared their concerns about an overall reduction in the supply of raw resources, but in recent times, the discovery of additional ore in unknown sectors of space has alleviated this anxiety.” CCP literally has written into the game that scarcity could become a real thing! What if rorqual mining a system for months at a time actually depleted its resources? What if money moons gradually became less money (while other moons gradually improved if not drilled regularly)? What if killing off thousands upon thousands of pirates actually weakened their cartel in that sector of space? What if PI depleted planetary resources not just in one area of a planet, but across the entire planet for an extended period of time? Well, if that happened, groups that consume massive amounts of resources would need to move, conquering space from other groups. All of a sudden, groups would not just be able to sit under their cyno jammers and super umbrellas making massive piles of cash, reacting enormous stockpiles of moon goo, and killing infinite numbers of rats: they would have to scout and seize the more desirable space from their enemies. In one fell swoop, we could have a more realistic EVE economy, discourage turtling, and encourage actual engagements (as opposed to the “war” Legacy/Fraternity have had going for a couple months, where no meaningful structures were destroyed or space changed hands because everyone is too risk-averse to commit). Because the defenders have a tactical advantage against invaders, introducing scarcity would also give smaller groups at least somewhat of a boost in the face of groups slightly larger than they. On top of all that, the EVE economy would more accurately reflect the reality of meatspace economies and resource-gathering. Could new gameplay opportunities or strategies be opened up by the depletion of Delve money moons or PI planets, just as depletion of petroleum oil supplies has (somewhat) allowed for the expansion of solar, wind, geothermal, and other power sources in meatspace? Maybe! Who knows what strategies we could see EVE players develop in the face of this new challenge (which is, in reality, the oldest challenge humanity has faced for tens of thousands of years).
NOW, there are several big problems with this change, most notably that someone who is super rich could just stockpile massive amounts of resources, then use the skyrocketing prices to make mad bank, but honestly, I think that it would be a fascinating development, if not necessarily one that would make a lot of players happy.
III. Random Bullshit/Quality of Life Improvements
Gonna keep this short because my other sections are WAY too long.
- Fix Corp/Alliance/ACL Titles, roles, and general management: Dear gods, what a fustercluck these are. I know, I know, someone is going to scream “Legacy code!!!” at me, as if TAPI had teamed up with James 315, but after 16 years, that excuse starts to sound a bit old. Setting corp and alliance permissions in these is a confounding nightmare.
- Event and Giveaway buttons on sidebar: Jesus Christ, can we get rid of these, or at least make them removable? There are already massive ads/popups for them on the launcher and login screen! Stop pushing my Fitting Management button off my neocom, you shits!
- Insurance adjustments: This is the most minor of pet peeves, but every single month, an economic report comes out that shows that there is at least two times as much ISK paid out in insurance money as is paid into the insurance system. As someone who has known actuaries and insurance professionals all my life, this annoys the hell out of me. Honestly, Pend Insurance should just stop insuring capsuleers; they’d save so much money! I think it would be really interesting if CCP implemented some sort of monthly check: if insurance payouts exceed insurance contributions for that month, then future insurance payouts are cumulatively reduced by 10% across the board (maybe weighted so that insurance for larger ships is reduced by a greater amount and insurance for smaller ships reduced less to make it more friendly for new players who can’t afford to lose as much). CCP can then continue to do this every month that insurance payouts continue to be too damn high, until the relative amounts are more reasonable. Payouts can also be adjusted UP if contributions are substantially higher than payouts. *GASP* an actual economic equilibrium? Who woulda thunk? Having insurance act as a net ISK faucet is both dumb from an economic standpoint and silly from a game-design standpoint.
Conclusions
Anyway, those are some of my extremely terrible, horrible, no good, very bad ideas for the future of EVE that could make the game more compelling for new players, which I mainly bring up as points of discussion for my fellow players, rather than as serious proposals. I fully expect that a whopping zero of them will ever be implemented because many would frustrate the existing paying player base or just be too much effort to address something that CCP doesn’t really care about addressing since they are focused on other matters. I don’t mean to shit on CCP for having such a focus: the Triglavian stuff is pretty cool, and I like that there’s more lore things happening lately… but it’s a shame that the number of viable play-styles in EVE has been reduced so drastically because of lack of attention on their part.
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3.9/5.0
Here Is a List of the Best Non Gamstop Online Casino Sites:
BetOnline Casino
Wild Casino
Freespin Casino
Hurricane and Martin Casino
Crazyno Casino
TigerGaming Casino
PlayHub Casino
PH Casino
Each Online Casino in Detail
BetOnline Casino
BetOnline has for some time been responsible for its own games, making one of the most confided in gambling club goals for U.S. players. The gambling club set up for business in 2001 permitting itself to dispatch in the new thousand years with various thoughts how to improve the experience, and continuing probably the prescribed procedures it had aggregated 10 years before through its sportsbook arm.
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As an enrolled business in Costa Rica, BetOnline Casino has gotten equal with trust, and assortment when we talk about iGaming and gambling club style games, particularly prominent now for them taking on GamStop-enlisted players. The gambling club packs a variety of highlights. You can encounter BetOnline on Android, Apple iOS, Blackberry, Windows and Mac.
There is a committed downloadable customer, many financial choices, a dependable and reachable client assistance, and not least – safe and secure gaming experience you can place your trust in.
BetOnline Casino Games, User Experience and Interface
With more than 300 great games, BetOnline Casino is certainly not a club you can stay apathetic regarding. Simple route, brisk and bother free ongoing interaction are only the beginnings of an extraordinary encounter. There are more than 250 openings, generally created by Betsoft Gaming, however you can discover other, similarly devoted programming suppliers, including Pariplay, ViG, Nucleus Gaming, Concept Gaming, and that's only the tip of the iceberg.
Betsoft Gaming normally takes the roar from most different designers, in any event in the video opening, portion, where we suggest giving "It Came from Venus" and the spin-off, "Back to Venus", a go. "Take the Bank" is another splendid game by Betsoft, offering cool mechanics, lovely visuals and incredible mood.
We comparatively suggest "Beast Pop" where you can encounter the Monster Fury include, which gets the beautiful, fruity-gazing beasts worked upward so much they begin spilling treasures! The gambling club is not really pretty much the spaces, however, and you will discover very much stuffed segments with games, including:
Table Games (American Blackjack, 21 Burn, Pirate 21)
Live Casino (Blackjack, Roulette, Baccarat)
Video Poker (Jacks or Better, Aces and Eights, Deuces Wild 5 Line)
Claim to fame Games (Vegas Keno, Virtual Racebook 3D, Keno Fortunes)
The segments stretch a piece, and you can discover adaptable wagering limits extending from anything as low as $0.10 and as far as possible up to $120. Indeed, even the live vendor games will offer you low passage levels in the event that you are excited about giving them a go.
Installment Methods Supported
BetOnline Casino has chipped away at making one of the most instinctive clerk areas. There you will locate a snappy prologue to Bitcoin and how to go through the cryptographic money to speed your stores – and all the more critically, withdrawals.
The Help Section is similarly valuable, as you can immediately go through some famous inquiries concerning the gambling club and discover an answer on the spot. On the off chance that you need assistance to finish a store or a payout, you can generally depend on the Live Chat.
Presently to the store strategies themselves. BetOnline Casino permits you to pick from 10-odd installment strategies, a significant number of which are digital forms of money. On the off chance that you are not so much acquainted with crypto banking, don't stress.
BetOnline has help segments that clarify it in extraordinary detail. The key favorable circumstances of deciding on crypto banking is that you have a practically boundless command over the amount you store and pull back. For example, you can store $100,000 immediately and with no extra charges. There aren't a particular withdrawal limits.
Advancements
BetOnline Casino exceeds expectations as far as rewards and advancements. You can discover different offers that offer a wide range of little money related motivating forces to your bankroll. You have a Refer a Friend offer and $100 Risk Free Casino Bet.
There is a 10% Weekly Casino Rebate just as the $15,000 Monthly Challenge, and a 20% Monthly Reload Bonus. A 100% Casino Welcome Bonus is likewise on the cards for the individuals who are keen on saving up to $1,000 and accepting an adaptable 100% coordinated reward.
Wild Casino
As another non-GamStop club,
WildCasino.ag is an online titan authorized by the Panama Gaming Commission and fueled by Betsoft Gaming. The organization has been accountable for the absolute best iGaming items accessible to U.S. players and goes back to 1991 when it initially set shop. After some time, we have seen Wild Casino progressively present a greater and better arrangement of games, a sounder in general gaming item and a straightforward offer you can trust.
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Wild Casino Games, User Experience and Interface
For some time there, Wild Casino wasn't in excess of a blip on customers' radar, however the presentation of Betsoft Gaming's ground-breaking gaming programming immediately changed the gambling club into a favored gaming goal.
Today, you will have the option to get within scoop of the absolute best iGaming items, included constant to the gambling club's offer. We suggest such trailblazer 3D opening games, for example,
Beast Pop
Back to Venus
Burn up all available resources
Crying at the Moon
Winged serpent and Phoenix
Past the brilliant illustrations and remarkable opening mechanics, that include clingy and extending wilds, re-twists and extra games, Wild Casino tidies up the interactivity with some awesome table games.
Players will be glad to discover European Roulette and American Roulette, just as Zoom Roulette and not least – Craps, for the individuals who want to toss dice. The blackjack choice accompanies a not too bad assortment too.
You can play Multi-Hand Blackjack, Pontoon, Pirate 21, Red Dog, 21 Burn Blackjack, and others. A speedy excursion to the video poker area uncovers more games, for example, Split Way Royale, Bonus Deuces, Joker Poker, 10's or Better, and that's only the tip of the iceberg.
For those of you who lean toward live seller area accompanies every single anticipated kind of games, to name Baccarat, Blackjack and Roulette, just as Punto 2000. The entirety of this accompanies a basic yet practical interface that has a to some degree square shaped plan, however enables all items on offer to remain to out.
Installment Methods Supported
Not any more searching for some component concealed in a dusty corner. Wild Casino is effectively a favored decision with regards to web based betting attributable to its assortment of installment choices, too Players can pick from five digital currencies just as 13 installment alternatives to store with.
There are eight installment strategies to utilize when you need to pull back your cash. The financial strategies utilized at the gambling club incorporate Bitcoin, BitcoinCash, Ethereum, Litecoin, Visa, American Express, and a couple of others.
Advancements
The gambling club offers a major invite reward worth $5,000 and another value $9,000 on the off chance that you decide to store with digital currency. All rewards accompany available terms and conditions and are proposed at new players.
For any individual who needs to gather up more bankroll reserves once they have settled down at the gambling club, there are The Hot Streak, $500 VIP Reload, Hump Day Special, Blackjack Tournaments, Refer a Friend, Wild Diamond 7S Progressive Jackpot and Slots Stampede.
The sums and extra conditions will change after some time to reflect changing player tastes, however you can have confidence Wild Casinos offers an arrangement of liberal games, with incredible come back to player rates and far superior assortment of games.
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