decisions = {
	borrow_money = {
		only_rulers = yes
		
		potential = {
			NOT = { culture = wilderness }
			mercenary = no
			is_ruler = yes
			NOT = { trait = incapable }
			age = 15
			prisoner = no
			NOT = {
				trait = dryad_race
				trait = elf_race
			}
			NOT = {
				has_character_modifier = loan_100
				has_character_modifier = loan_200
				has_character_modifier = loan_300
			}
			NOT = {
				has_character_modifier = refused_repaying_loan_100
				has_character_modifier = refused_repaying_loan_200
				has_character_modifier = refused_repaying_loan_300
			}
		}
		allow = {
			NOT = { has_character_modifier = denied_loan }
			custom_tooltip = {
				text = bank_is_deliberating
				hidden_tooltip = {
					NOT = { has_character_flag = bank_deciding_loan }
				}
			}
			custom_tooltip = {
				text = unsettled_debts
				hidden_tooltip = {
					NOT = {
						has_character_modifier = refused_repaying_loan_100
						has_character_modifier = refused_repaying_loan_200
						has_character_modifier = refused_repaying_loan_300
					}
				}
			}
		}
		effect = {
			character_event = { id = banker.1 tooltip = decide_size_of_loan }
			set_character_flag = bank_deciding_loan
		}
		ai_will_do = {
			factor = 1
			modifier = {
				factor = 0
				wealth = 0
				war = no
			}
			modifier = {
				factor = 0
				wealth = 200
				war = yes
			}
			modifier = { factor = 0.01 }
			modifier = { factor = 0.001 tier = baron }
			modifier = { factor = 0.1 tier = count }
		}
	}
	repay_old_loan_100 = {
		only_rulers = yes
		
		potential = {
			NOT = { culture = wilderness }
			mercenary = no
			is_ruler = yes
			NOT = { trait = incapable }
			age = 15
			prisoner = no
			NOT = {
				trait = dryad_race
				trait = elf_race
			}
			has_character_modifier = refused_repaying_loan_100
		}
		allow = {
			wealth = 120
			has_character_modifier = refused_repaying_loan_100
		}
		effect = {
			wealth = -120
			remove_character_modifier = refused_repaying_loan_100
		}
		ai_will_do = {
			factor = 1
			modifier = {
				factor = 0
				NOT = { wealth = 240 }
			}
		}
	}
	repay_old_loan_200 = {
		only_rulers = yes
		
		potential = {
			NOT = { culture = wilderness }
			mercenary = no
			is_ruler = yes
			NOT = { trait = incapable }
			age = 15
			prisoner = no
			NOT = {
				trait = dryad_race
				trait = elf_race
			}
			has_character_modifier = refused_repaying_loan_200
		}
		allow = {
			wealth = 240
			has_character_modifier = refused_repaying_loan_200
		}
		effect = {
			wealth = -240
			remove_character_modifier = refused_repaying_loan_200
		}
		ai_will_do = {
			factor = 1
			modifier = {
				factor = 0
				NOT = { wealth = 360 }
			}
		}
	}
	repay_old_loan_300 = {
		only_rulers = yes
		
		potential = {
			NOT = { culture = wilderness }
			mercenary = no
			is_ruler = yes
			NOT = { trait = incapable }
			age = 15
			prisoner = no
			NOT = {
				trait = dryad_race
				trait = elf_race
			}
			has_character_modifier = refused_repaying_loan_300
		}
		allow = {
			wealth = 360
			has_character_modifier = refused_repaying_loan_300
		}
		effect = {
			wealth = -360
			remove_character_modifier = refused_repaying_loan_300
		}
		ai_will_do = {
			factor = 1
			modifier = {
				factor = 0
				NOT = { wealth = 480 }
			}
		}
	}
}