I was responding in another thread about the hated "trade reputation bug", and it got me thinking of a potential easy solution that ought to be considered in Civ4: the credit report. You as an individual or as a business have a credit report. This credit report contains valuable information about your ability and past history of paying off debts. Negative credit information, such as bankrupticies, greatly reduce (if not eliminate) your ability to get additional credit. After 7-10 years, the negative credit information is required by law to fall off your credit history. Why not institute a similiar scheme within Civilization? Since it takes 7-10 years for a negative credit item to fall off one's own individual or business credit report, the game designers could institute a similiar schedule in Civ 4 based on the number of turns since the negative event. For example, if we utilitize the 7-10 year period used in the U.S. as it corresponds to human interaction and consider the fact that most humans live for 80 years in the U.S., then we get about 6 to 8 periods in a lifespan (excluding ages 0-18 when a human is a minor and can not get credit) where an individual could have entirely new credit information. If we incorporate that idea into the game, it would mean that roughly ever 50-75 turns, negative credit information would pass off your "credit report" and would not be considered by potential trading partners.