Pensions

[Sarchez]

Eric don't want us to have nice and shiny things, so he wants to add increased expenses overtime (I think), so we don't have 100's of billions already before WW2 starts.

In Europe, it's normal that the company pays a certain % for your retirement scheme.
This typically comes on top of your wages. (The % differs from company to comany, and can be a part of your salary negotiations.) There is a fixed minimum % though. (Atleast here in DK.)
On top of that, we also have the government pension - paid through taxes, to insure everyone can afford a living. (old/disabled etc.)

I think, that it makes sense, as it would drain some of the profits overtime.
However, since we don't know just how tough the competition gets overtime, it's hard to make a suggestion as to how it should be implemented. Something that seems like a good idea the first 30 years, might be horrible 30 years later.
Atleast the first years, we shouldn't have to deal with it. They're already pretty tight with cashflow as is.

Maybe it should look back 10 years, and take # of associates * fixed percent of the labor costs at the time, as a new expense. that would be a lot of data to keep up with. (Maybe fixed by year or something).
That would give you 10 years to start the company, without having the additional costs, and thereafter the expenses would grow as your company does.