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Credits are the currency in Anno 2205. It is used to buy and sell goods, take over sectors and pay for the construction of various production facilities. On Expert or Advanced difficulty running out of credits results in your corporation going bankrupt after 30 minutes unless you can recover from it. On lower difficulties, the Global Union will issue a bailout instead, with no lasting consequences apart from a 10% reduction in any positive balance until the bailout dept is repaid this way.