Thankyou Tech Osen for reply, they are normal and I am dark. On that basis:
Greece - Megara loyalty = 1x100%x1 = 1
Greece - Ephesus loyalty = 4x50%x1 = 2 (4 pop,5 tiles away)
Germany - Frankfurt loyalty = 10x70% x 0.5 = 3.5 (10 pop, 3 tiles away)
Germany - Bonn loyalty = 4x60% x 0.5 = 1.2 (4 pop, 4 tiles away)
Ratio 3:4.7 in my favour - approx -5 loyalty to them on Victoria's table or 20 turns to rebellion.
If I tried that trick of settling 3 tiles away I would be totally clobbered. The cards are purely defensive and I fully understand how they are used. I need them when I do settle even though I am 7, 8 or 9 tiles away in a normal age. The settler lens view I have found to be complete rubbish. I settle on the edge of negative effects - i.e. in a zero tile next to a -4 or -2 or whatever, then get hit with -15 or -20 loyalty and have to bring all my various defences into play. The opposition on the other hand seems to settle close to me almost at will. I was pissed off on my first post because they settled so close with no negative effects yet they then settled further away and I flipped the city. The game decides what I'm going to get and what I'm not and plays by an entirely different rule set, but then civilisation always has. I played and very much enjoyed playing the very original civilisation game and have played several other iterations since and it's always the same.
If you have a wind from the east, France has conquered Spain in the last two moves, Moses has come to Mount Sinai and the second coming is upon us, then it should be obvious to even the most idiot newbies that it's perfectly ok for the opposition to settle their city 2 tiles away from yours! There's always some obscure justification unless you catch them with their pants down.
Anyway, my problem is not settling my own cities - I know what to expect and I can marshal my resources to combat it. My problem is with opponents settling cities near me with no apparent negative effects - or rebellion in 266 turns for example.
Thanks - my little rant has kept my mind off self-isolation for a good 1/2 hour. Take care
David