try it on a newly conquered province. a 0 dread is sure to drop the loyalty 5 or so.
I've often forgone a gov for a turn or two if I don't have decent acumen sufficiently dreadful fella around.
It's a tough decision as more cash always helps a rush but a big loyalist rebellion or the like can stop your rush cold.
so you captured a reasonable income province and have a 0 dread, 4 acumen fella around but not enough troops to garrison as you need to push on. what do you do?
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