If the calculations from the last session put your bank balance to zero or below you are forced to go through bankruptcy.

If you are bankrupt can you will be able to select one contract and one train that you plan to service that contract with. With luck the sale of your other assets will bring your account above zero and you will not have to go back to working for your money.

Contracts are auctioned first. If your rates are good the other managers can pay to take over your old contract. If no one wants to pay for the old contracts they will be bid on as new contracts and at new rates.

Equipment is auctioned and if the mangers do not want to bid the equipment is sold to a “dealer” for ten percent of the purchase price.

If the proceeds of the auctions do not leave a positive balance in the bank the reserved contract and equipment is sold and the manger is back to life as a working man.