diff --git a/src/components/farm/Board.jsx b/src/components/farm/Board.jsx
index f878afa..0229347 100644
--- a/src/components/farm/Board.jsx
+++ b/src/components/farm/Board.jsx
@@ -310,7 +310,7 @@ class PlayerTurnContainer extends React.Component {
         let view;
         const player = this.props.player,
               worth = netWorth(player),
-              auditButton = (this.props.game.calledAudit === false && worth >= this.props.game.auditThreshold) ? (
+              auditButton = (this.props.game.calledAudit === false && worth >= this.props.game.settings.auditThreshold) ? (
                     <Button onClick={audit}>Call Audit</Button>) : '';
         if (player.state === GAME_STATES.preTurn) {
             view = (
@@ -505,7 +505,22 @@ class Messages extends React.Component {
 class Loans extends React.Component {
     constructor(props) {
         super(props);
-        this.state = { repay: 0, takeOut: 0 };
+        this.state = { repay: 0, takeOut: 0,
+                       maxLoan: this.getMaxLoan(props) };
+    }
+
+    getMaxLoan = props => {
+        let i = 0,
+            maxLoan = 0,
+            loanInterest = props.game.settings.loanInterest,
+            maxDebt = props.game.settings.maxDebt;
+        const max = maxDebt - props.player.debt;
+        while (maxLoan <= max) {
+            maxLoan = i * (loanInterest + 1);
+            i += 1000;
+        }
+        i -= 1000;
+        return i - 1000;
     }
 
     handleInput = e => {
@@ -520,10 +535,10 @@ class Loans extends React.Component {
         } else {
             takeOut = value * 1000;
         }
-        this.setState({ repay: Math.max(0, Math.floor(
-            Math.min(repay, this.props.player.debt, this.props.player.cash) / 1000)),
+        this.setState({ repay: Math.max(0, Math.ceil(
+            Math.min(repay, this.props.player.debt + 900, this.props.player.cash) / 1000)),
                         takeOut: Math.max(0, Math.floor(
-                            Math.min(takeOut, 50000 - this.props.player.debt) / 1000)) });
+                            Math.min(takeOut, this.state.maxLoan) / 1000)) });
     }
 
     handleSubmit = e => {
@@ -532,11 +547,22 @@ class Loans extends React.Component {
         this.setState({ repay: 0, takeOut: 0 });
     }
 
+    componentDidUpdate(prevProps) {
+        if (this.props.player.debt !== prevProps.player.debt ||
+            this.props.game.settings.loanInterest !== prevProps.game.settings.loanInterest ||
+            this.props.game.settings.maxDebt !== prevProps.game.settings.maxDebt) {
+            this.setState({ maxLoan: this.getMaxLoan(this.props) });
+        }
+    }
+
     render () {
     return (
         <GroupBox title={'Loans'}>
           <MoneySummary title='Cash' value={this.props.player.cash} /> {' '}
-          <MoneySummary title='Debt' value={this.props.player.debt} />/$50,000
+          <MoneySummary title='Debt' value={this.props.player.debt} />
+          /${formatMoney(this.props.game.settings.maxDebt)}
+          <br />
+          {this.props.game.settings.loanInterest > 0 ? '(' + (this.props.game.settings.loanInterest * 100) + '% interest added to each loan)' : ''}
           <br /><br />
           <form onSubmit={this.handleSubmit}>
             <Row collapse='true'>
@@ -558,7 +584,7 @@ class Loans extends React.Component {
                     $:
                     <input onChange={this.handleInput} name='takeOut' type='number'
                            value={this.state.takeOut === 0 ? '' : this.state.takeOut} />
-                    {'\u00A0'}K / ${(50000 - this.props.player.debt) / 1000}K
+                    {'\u00A0'}K / ${this.state.maxLoan / 1000}K
                  </div>
                </Col>
                <Col width='4'>
@@ -814,7 +840,6 @@ class Harvest extends React.Component {
         }
     }
 
-                    // this.props.player.name === this.props.game.currentPlayer TODO
     render() {
         let view;
         const isCurrentPlayer = this.props.player.name === this.props.game.currentPlayer;
@@ -841,7 +866,7 @@ class Harvest extends React.Component {
         case 'roll':
             view = (<Die decay={true} num={this.props.rolled} ms={2000} roll={true}
                          showScreen={() => this.nextView('income')}
-                         skip={true}
+                         skip={this.props.player.name === this.props.game.currentPlayer}
                          autoSkip={this.props.autoSkip === 'die'}
                          showScreenDelay={2000} />);
             break;
@@ -1088,7 +1113,7 @@ class Action extends React.Component {
                     <div>
                     {this.props.player.name === this.props.game.currentPlayer ? 'You' :
                     this.props.game.currentPlayer} {this.props.ui.actionValue < 0 ? 'lost ' : 'gained '}
-                    ${Math.abs(this.props.ui.actionValue)}!
+                    ${formatMoney(Math.abs(this.props.ui.actionValue))}!
                     </div>
                     </div>
                     </div>);
@@ -1104,7 +1129,6 @@ class Action extends React.Component {
             break;
         case 'harvest':
             view = (<Harvest rolled={this.props.ui.actionValue.rolled}
-                             autoSkip={this.props.ui.autoSkip}
                              player={this.props.player}
                              game={this.props.game}
                              income={this.props.ui.actionValue.income}
@@ -1250,13 +1274,14 @@ class AlertOverlay extends React.Component {
                        this.props.visible : true };
     }
 
-    hide = () => {
+    hide = e => {
+        e.preventDefault();
         this.setState({ visible: false });
         this.props.hideHandler();
     }
 
-    buttonClick = () => {
-        this.hide();
+    buttonClick = e => {
+        this.hide(e);
         this.props.handler();
     }
 
@@ -1271,13 +1296,27 @@ class AlertOverlay extends React.Component {
                 <br />
                 <Button onClick={this.buttonClick}>{this.props.buttonText}</Button>
                 <label><input type='checkbox' onClick={this.hidePermanent} /> {`Don't show again`}</label>
-                <a href='#' onClick={this.hide}>close</a>
+                <a onClick={this.hide}>close</a>
               </div>
             </div>
         );
     }
 }
 
+class InfoBar extends React.Component {
+    render() {
+        if (this.props.players.length > 0) {
+            return (
+                <div className='info-bar'>
+                  {(this.props.screen === SCREENS.action) ? '' : this.props.message}
+                </div>
+            );
+        } else {
+            return (<Fragment />);
+        }
+    }
+}
+
 const SCREENS = { summary: 'summary', misc: 'misc', farms: 'farms',
                   cards: 'cards', trade: 'trade', loans: 'loans',
                   action: 'action' };
@@ -1329,12 +1368,29 @@ class BoardApp extends React.Component {
     }
 
     iconOnClick = icon => {
-        return () => this.showScreen(this.iconToScreen[icon]);
+        return e => {
+            e.preventDefault();
+            this.showScreen(this.iconToScreen[icon]);
+        }
     }
 
     render() {
         let alertOverlay;
-        if (!this.props.ui.alertHandled && this.state.screen !== SCREENS.action) {
+        if (!this.props.ui.alertHandled && this.props.ui.alert === ALERTS.endOfGame) {
+            alertOverlay = (
+                <AlertOverlay visible={true}
+                              buttonText='Close'
+                              hideHandler={() => this.props.alert(false)}
+                              handler={() => { return false; }}>
+                  <Fragment>
+                    <h1>Game Over!</h1>
+                    {this.props.ui.alertContents.map((e, i) => (
+                        <p key={i}>{e}</p>
+                    ))}
+                  </Fragment>
+                </AlertOverlay>
+            );
+        } else if (!this.props.ui.alertHandled && this.state.screen !== SCREENS.action) {
             switch (this.props.ui.alert) {
             case ALERTS.beginTurn:
                 alertOverlay = (
@@ -1384,20 +1440,23 @@ class BoardApp extends React.Component {
             <div className='game-container'>
               {alertOverlay}
             <Board spaces={this.props.spaces}>
+              <InfoBar message={this.props.ui.message}
+                       screen={this.state.screen}
+                       players={this.props.game.otherPlayers} />
               <div className='center-board-container'>
               <ul className='horizontal menu icons icons-top'>
                 {[faUser, faTractor, faWindowRestore, faDollarSign, faUsers, faAsterisk]
                     .map((icon, i) =>
                          (<li key={i} className={this.iconClass(icon.iconName)}>
                           <div></div>
-                          <a href='#' onClick={this.iconOnClick(icon.iconName)}>
+                          <a onClick={this.iconOnClick(icon.iconName)}>
                             <FontAwesomeIcon icon={icon} /></a></li>))}
             </ul>
                 <ul className='vertical menu icons icons-top'>
                 {[faUser, faTractor, faWindowRestore, faDollarSign, faUsers, faAsterisk]
                  .map((icon, i) =>
                       (<li key={i} className={this.iconClass(icon.iconName)}>
-                       <a href='#' onClick={this.iconOnClick(icon.iconName)}>
+                       <a onClick={this.iconOnClick(icon.iconName)}>
                        <FontAwesomeIcon icon={icon} /></a></li>))}
             </ul>
                 <div className='tab-container'>
@@ -1426,14 +1485,14 @@ class BoardApp extends React.Component {
                         </div>
                         <div className='cell medium-auto'>
                 <Card ui={this.props.ui}
-                      min={(this.props.ui.card.total * 0.2) / 1000}
+                      min={(this.props.ui.card.total * this.props.game.settings.downPayment) / 1000}
                       max={Math.floor(Math.min(this.props.player.cash / 1000, this.props.ui.card.total / 1000))}
-                      cash={(this.props.ui.card.total * 0.2) / 1000} />
+                      cash={(this.props.ui.card.total * this.props.game.settings.downPayment) / 1000} />
                         </div>
                     </Row>
                 </div>
                 <div className={this.tabClass(SCREENS.loans)}>
-                    <Loans player={this.props.player} />
+                  <Loans player={this.props.player} game={this.props.game} />
                 </div>
                 <div className={this.tabClass(SCREENS.farms)}>
                     <FarmsContainer player={this.props.player}
@@ -1505,9 +1564,12 @@ class Card extends React.Component {
                  <div className='money'>
                      $:
                      <input id='cash-input' type='number'
+                            step='1'
+                            min='0'
+                            max={Math.ceil(this.props.max)}
                             disabled={this.props.max < this.props.min}
                             onChange={this.handleInput}
-                            value={this.state.cash} />
+                            value={Math.ceil(this.state.cash)} />
                      {'\u00A0'},000
                  </div>
                  </Col>
diff --git a/src/components/farm/actionTypes.js b/src/components/farm/actionTypes.js
index c27ada2..18f334c 100644
--- a/src/components/farm/actionTypes.js
+++ b/src/components/farm/actionTypes.js
@@ -35,3 +35,4 @@ export const MARK_ACTION_CHANGE_HANDLED = 'mark-action-change-handled'
 export const ALERT = 'alert'
 export const ALERT_HANDLED = 'alert-handled'
 export const AUTO_SKIP = 'auto-skip'
+export const MESSAGE = 'message'
diff --git a/src/components/farm/actions.js b/src/components/farm/actions.js
index 889b293..21626de 100644
--- a/src/components/farm/actions.js
+++ b/src/components/farm/actions.js
@@ -20,13 +20,13 @@ import { UPDATE_GAME, UPDATE_PLAYER, GAME_STATE, SET_SELECTED_CARD, SET_CARDS,
          SPACE_PUSH_PLAYER, SPACE_CLEAR_PLAYERS, SET_OLD_MESSAGES, MESSAGE_PANEL_SPACE,
          MP_MOUSE, SET_MP_DIMS, MARK_ACTION_CHANGE_HANDLED, SET_NEXT_ACTION,
          MOVE_PLAYER, NEXT_UI_ACTION, NEXT_UI_ACTION_SILENT, ALERT, ALERT_HANDLED,
-         AUTO_SKIP } from './actionTypes.js'
+         AUTO_SKIP, MESSAGE } from './actionTypes.js'
 
 export { updateGame, updatePlayer, gameState, setSelectedCard, setCards,
          spacePushPlayer, spaceClearPlayers, setOldMessages, setMessagePanelSpace,
          mpMouse, setMPDims, movePlayer, setNextAction, nextUIAction,
          markActionChangeHandled, nextUIActionSilent, alert, alertHandled,
-         autoSkip }
+         autoSkip, message }
 
 function updateGame(update) {
     return { type: UPDATE_GAME,
@@ -107,8 +107,8 @@ function markActionChangeHandled() {
     return { type: MARK_ACTION_CHANGE_HANDLED };
 }
 
-function alert(value) {
-    return { type: ALERT, value };
+function alert(value, contents) {
+    return { type: ALERT, value, contents };
 }
 
 function alertHandled() {
@@ -118,3 +118,7 @@ function alertHandled() {
 function autoSkip(component) {
     return { type: AUTO_SKIP, component };
 }
+
+function message(message) {
+    return { type: MESSAGE, message };
+}
diff --git a/src/components/farm/interface.js b/src/components/farm/interface.js
index 7080369..ecae5bd 100644
--- a/src/components/farm/interface.js
+++ b/src/components/farm/interface.js
@@ -24,7 +24,8 @@ import * as websocket from '../../websocket.js'
 import { updateGame, updatePlayer, gameState, setSelectedCard, setCards,
          movePlayer, setOldMessages, markActionChangeHandled,
          mpMouse, rolled, setNextAction, nextUIAction, nextUIActionSilent, alert,
-         autoSkip } from './actions.js'
+         autoSkip, message, alertHandled } from './actions.js'
+import { itemCard, fateCard } from 'game.js'
 
 export { initialize, buy, roll, endTurn, loan, trade, submitTradeAccept,
          submitTradeDeny, submitTradeCancel, audit, handleMessage,
@@ -47,10 +48,11 @@ function handleMessage(evt) {
             data.game.otherPlayers.length > 0 &&
             store.getState().farm.player.state !== GAME_STATES.preTurn) {
             store.dispatch(alert(ALERTS.beginTurn));
-        } else if (data.game.otherPlayers.length > 0 &&
-                   data.game.currentPlayer !== store.getState().farm.game.currentPlayer) {
-            store.dispatch(alert(ALERTS.otherPlayersTurn));
         }
+        //  else if (data.game.otherPlayers.length > 0 &&
+        //            data.game.currentPlayer !== store.getState().farm.game.currentPlayer) {
+        //     store.dispatch(alert(ALERTS.otherPlayersTurn));
+        // }
         // new turn clear actions
         if (data.event === 'update' &&
             data.game.currentPlayer !== store.getState().farm.game.currentPlayer) {
@@ -93,10 +95,15 @@ function handleMessage(evt) {
             data.player.cash < 0 &&
             !store.getState().farm.ui.nextAction) {
             store.dispatch(alert(ALERTS.raiseMoney));
+        } else if (data.player.state === GAME_STATES.midTurn) {
+            store.dispatch(alertHandled());
         }
         if (data.event === 'auto-skip') {
             store.dispatch(autoSkip(data.component));
         }
+        if (data.event === 'end-of-game') {
+            store.dispatch(alert(ALERTS.endOfGame, data.results));
+        }
     });
 };
 
@@ -158,10 +165,19 @@ function skip(component) {
     sendCommand({ type: 'skip', component });
 }
 
+// TODO share with Board.jsx
+// http://stackoverflow.com/questions/149055
+function formatMoney(n) {
+    return n.toFixed(1).replace(/(\d)(?=(\d{3})+\.)/g, '$1,').slice(0, -2); }
+
 function initialize(st, sc) {
     store = st;
     sendCommand = sc;
 
+    let lastAction = false,
+        lastAutoSkip = false,
+        rollMessage = '',
+        rollTimer = false;
     const unsubscribe = store.subscribe(
         () => {
             const state = store.getState();
@@ -170,6 +186,73 @@ function initialize(st, sc) {
                 store.dispatch(markActionChangeHandled());
                 nextAction();
             }
+            if (state.farm.player.name !== state.farm.game.currentPlayer &&
+               lastAction !== state.farm.ui.action) {
+                lastAction = state.farm.ui.action;
+                switch (lastAction) {
+                case 'roll':
+                    const roll = state.farm.ui.actionValue.to -
+                        (state.farm.ui.actionValue.to < state.farm.ui.actionValue.from ?
+                         state.farm.ui.actionValue.from - 49 :  state.farm.ui.actionValue.from);
+                    rollMessage = state.farm.game.currentPlayer + ' rolled a ' + roll;
+                    rollTimer = setInterval(() => {
+                        store.dispatch(message(rollMessage));
+                        clearInterval(rollTimer);
+                    }, 5000);
+                    break;
+                case 'money':
+                    store.dispatch(message(state.farm.game.currentPlayer +
+                                           (state.farm.ui.actionValue < 0 ? ' lost ' : ' gained ') +
+                                          '$' + formatMoney(Math.abs(state.farm.ui.actionValue))));
+                    break;
+                case 'farmers-fate':
+                    store.dispatch(message(state.farm.game.currentPlayer + ' drew a ' +
+                                           fateCard));
+                    break;
+                case 'ff-uncle-bert':
+                    store.dispatch(message(state.farm.game.currentPlayer + ' drew a ' +
+                                           fateCard));
+                    break;
+                case 'otb':
+                    store.dispatch(message(state.farm.game.currentPlayer + ' drew an ' +
+                                           itemCard));
+                    break;
+                case 'harvest':
+                    store.dispatch(message(state.farm.game.currentPlayer +
+                                           ' is harvesting ' +
+                                           state.farm.ui.actionValue.acres + ' ' +
+                                           (state.farm.ui.actionValue.crop === 'cows' ? ' head of cow' : ' acres') +
+                                           ' of ' + state.farm.ui.actionValue.crop));
+                    break;
+                case false:
+                    store.dispatch(message(''));
+                    break;
+                }
+            }
+            if (state.farm.player.name !== state.farm.game.currentPlayer &&
+                lastAutoSkip !== state.farm.ui.autoSkip) {
+                lastAutoSkip = state.farm.ui.autoSkip;
+                switch (lastAutoSkip) {
+                case 'die':
+                    if (lastAction !== 'harvest') {
+                        clearInterval(rollTimer);
+                        store.dispatch(message(rollMessage));
+                    }
+                    break;
+                case 'harvest|income':
+                    store.dispatch(message(state.farm.game.currentPlayer +
+                                           ' rolled a ' +
+                                           state.farm.ui.actionValue.rolled +
+                                           ' and earned $' +
+                                           formatMoney(state.farm.ui.actionValue.income)));
+                    break;
+                case 'harvest|expense-value':
+                    store.dispatch(message(state.farm.game.currentPlayer +
+                                           ' had operating expense of $' +
+                                           formatMoney(Math.abs(state.farm.ui.actionValue.operatingExpenseValue))));
+                    break;
+                }
+            }
         });
 
     // mpDims.mouseX = e.clientX
diff --git a/src/components/farm/reducers.js b/src/components/farm/reducers.js
index ec58f1a..95f53cc 100644
--- a/src/components/farm/reducers.js
+++ b/src/components/farm/reducers.js
@@ -21,7 +21,7 @@ import { UPDATE_GAME, UPDATE_PLAYER, GAME_STATE, SET_SELECTED_CARD, SET_CARDS,
          SET_OLD_MESSAGES, MESSAGE_PANEL_SPACE, MP_MOUSE,
          SET_MP_DIMS, MOVE_PLAYER, SET_NEXT_ACTION, NEXT_UI_ACTION,
          MARK_ACTION_CHANGE_HANDLED, NEXT_UI_ACTION_SILENT, ALERT, ALERT_HANDLED,
-         AUTO_SKIP } from './actionTypes.js'
+         AUTO_SKIP, MESSAGE } from './actionTypes.js'
 import { GAME_STATES } from '../../constants.js'
 import { spaceContent, corners } from 'game.js'
 
@@ -92,14 +92,18 @@ const initialState = {
               space: 0,
               trade: {}
             },
-    game: { auditThreshold: 250000,
-            calledAudit: false,
+    game: { calledAudit: false,
             currentPlayer: '',
             messages: [],
             otherPlayers: [],
             state: GAME_STATES.preTurn,
             turn: 0,
-            oldMessages: [] },
+            oldMessages: [],
+            settings: { downPayment: 0.2,
+                        loanInterest: 0.2,
+                        maxDebt: 50000,
+                        auditThreshold: 250000 }
+          },
     ui: { card: { type: 'no-card', contents: '', total: 0 },
           cards: [],
           action: false,
@@ -107,7 +111,9 @@ const initialState = {
           nextAction: false,
           nextActionValue: null,
           actionChangeHandled: true,
+          message: '',
           alert: false,
+          alertContents: false,
           autoSkip: false,
           alertHandled: false },
     spaces: spaces,
@@ -175,11 +181,14 @@ export default function(state = initialState, action) {
     case ALERT:
         return { ...state, ui: { ...state.ui,
                                  alert: action.value,
+                                 alertContents: action.contents,
                                  alertHandled: action.value === false ? true : false }};
     case ALERT_HANDLED:
         return { ...state, ui: { ...state.ui, alertHandled: true }};
     case AUTO_SKIP:
         return { ...state, ui: { ...state.ui, autoSkip: action.component }};
+    case MESSAGE:
+        return { ...state, ui: { ...state.ui, message: action.message }};
     default:
         return state;
     }
diff --git a/src/components/join-game/JoinGame.jsx b/src/components/join-game/JoinGame.jsx
index aeb010e..463b529 100644
--- a/src/components/join-game/JoinGame.jsx
+++ b/src/components/join-game/JoinGame.jsx
@@ -55,6 +55,7 @@ class JoinGame extends React.Component {
     }
 
     handleJoinAsExisting = e => {
+        e.preventDefault();
         this.props.startOrJoinGame({ type: 'join-as-existing',
                                      playerName: e.target.text,
                                      gameId: this.state.game.id,
@@ -78,7 +79,9 @@ class JoinGame extends React.Component {
                         {this.props.games
                             .map((g, i) =>
                                  (<li key={i}>
-                                    <a href='#' onClick={() => this.handleClickGame(g)}>{g.name}</a>
+                                  <a onClick={e => {
+                                      e.preventDefault();
+                                      this.handleClickGame(g); }}>{g.name}</a>
                                   </li>))}
                        </ul>)
                    : (
@@ -88,7 +91,7 @@ class JoinGame extends React.Component {
                       <ul>
                       {this.state.game.players.map((p, i) =>
                                                    (<li key={i}>
-                                                    <a href='#' onClick={this.handleJoinAsExisting}>
+                                                    <a onClick={this.handleJoinAsExisting}>
                                                     {p}
                                                     </a>
                                                     </li>))}
diff --git a/src/components/new-game/NewGame.jsx b/src/components/new-game/NewGame.jsx
index 259a1bc..86ad6de 100644
--- a/src/components/new-game/NewGame.jsx
+++ b/src/components/new-game/NewGame.jsx
@@ -25,16 +25,44 @@ import { startOrJoinGame } from '../start/actions.js'
 import { start } from '../app/actions.js'
 
 import { FontAwesomeIcon } from '@fortawesome/react-fontawesome'
-import { faArrowCircleLeft } from '@fortawesome/free-solid-svg-icons'
+import { faArrowCircleLeft, faCog } from '@fortawesome/free-solid-svg-icons'
+
+class InputRow extends React.Component {
+    render() {
+        return (
+            <Row>
+              <Col width='12'>
+                <label>
+                  {this.props.label}
+                  <input type='number'
+                         min={this.props.min}
+                         max={this.props.max}
+                         step={this.props.step}
+                         name={this.props.name}
+                         value={this.props.value}
+                         onChange={this.props.onChange} />
+                </label>
+              </Col>
+            </Row>
+        );
+    }
+}
 
 class NewGame extends React.Component {
     constructor(props) {
         super(props);
         this.state = {
+            showSettings: false,
             playerName: '',
             checkedColor: props.colors[0],
             gameId: typeof props.gameId === 'undefined' ? -1 : props.gameId,
-            gameName: props.gameName || ''
+            gameName: props.gameName || '',
+            downPayment: 0.2,
+            loanInterest: 0.2,
+            maxDebt: 50000,
+            auditThreshold: 250000,
+            startingCash: 5000,
+            startingDebt: 5000
         };
     }
 
@@ -54,46 +82,35 @@ class NewGame extends React.Component {
     }
 
     handleBack = e => {
+        e.preventDefault();
         this.props.start();
     }
 
+    toggleSettings = e => {
+        e.preventDefault();
+        this.setState({ showSettings: !this.state.showSettings });
+    }
+
     render() {
-        let playerNameInput;
-        return (
-            <GroupBox title={!this.props.hideBack ? (
+        let playerNameInput,
+            titleBar = !this.props.hideBack ? (
                 <Fragment>
-                  <a href="#" onClick={this.handleBack}>
+                  <a onClick={this.handleBack}>
                     <FontAwesomeIcon icon={faArrowCircleLeft} />
                   </a>
                   {this.props.title}
                 </Fragment>
-            ) : this.props.title}>
-              <form onSubmit={this.handleSubmit}>
-                <Row>
-                  <Col width='12'>
-                    <label>Your Name
-                      <input type='text' name='playerName'
-                             value={this.state.playerName}
-                             onChange={this.handleInputChange} />
-                    </label>
-                  </Col>
-                </Row>
-                <Row>
-                  <Col width='12'>
-                    <label>Your Color</label>
-                    {this.props.colors
-                        .map(c =>
-                             (<label key={c} className={'player player-selectable player-' + c + (this.state.checkedColor === c ? ' player-selected' : '')}>
-                                <input type='checkbox'
-                                       checked={this.state.checkedColor === c}
-                                           onChange={this.handleInputChange}
-                                           name={c} />
-                               </label>))
-                    }
-                    <br /><br />
-                  </Col>
-                </Row>
-                {this.props.showGameName && (
+            ) : this.props.title,
+            colors = this.props.colors.map(c => (
+                <label key={c} className={'player player-selectable player-' + c + (this.state.checkedColor === c ? ' player-selected' : '')}>
+                  <input type='checkbox'
+                         checked={this.state.checkedColor === c}
+                         onChange={this.handleInputChange}
+                         name={c} />
+                </label>
+            )
+                                          ),
+            gameName = this.props.showGameName && (
                 <Row>
                   <Col width='12'>
                     <label>Game Name
@@ -102,10 +119,81 @@ class NewGame extends React.Component {
                     </label>
                   </Col>
                 </Row>
-                )}
+            ),
+            settingsClass = this.state.showSettings ? '' : 'hidden',
+            mainScreenClass = !this.state.showSettings ? '' : 'hidden';
+        return (
+            <GroupBox title={titleBar}>
+              <form onSubmit={this.handleSubmit}>
+                <div className={mainScreenClass}>
+                  <Row>
+                    <Col width='12'>
+                      <label>Your Name
+                        <input type='text' name='playerName'
+                               value={this.state.playerName}
+                               onChange={this.handleInputChange} />
+                      </label>
+                    </Col>
+                  </Row>
+                  <Row>
+                    <Col width='12'>
+                      <label>Your Color</label>
+                      {colors}
+                      <br /><br />
+                    </Col>
+                  </Row>
+                  {gameName}
+                </div>
+                <div className={settingsClass}>
+                  <InputRow label='Down Payment'
+                            name='downPayment'
+                            min={0}
+                            max={1}
+                            step={0.1}
+                            value={this.state.downPayment}
+                            onChange={this.handleInputChange} />
+                  <InputRow label='Loan Interest'
+                            name='loanInterest'
+                            min={0}
+                            max={1}
+                            step={0.1}
+                            value={this.state.loanInterest}
+                            onChange={this.handleInputChange} />
+                  <InputRow label='Maximum Debt'
+                            name='maxDebt'
+                            min={0}
+                            step={5000}
+                            value={this.state.maxDebt}
+                            onChange={this.handleInputChange} />
+                  <InputRow label='Audit Threshold'
+                            name='auditThreshold'
+                            min={0}
+                            step={25000}
+                            value={this.state.auditThreshold}
+                            onChange={this.handleInputChange} />
+                  <InputRow label='Starting Cash'
+                            name='startingCash'
+                            min={0}
+                            step={1000}
+                            value={this.state.startingCash}
+                            onChange={this.handleInputChange} />
+                  <InputRow label='Starting Debt'
+                            name='startingDebt'
+                            min={0}
+                            step={1000}
+                            value={this.state.startingDebt}
+                            onChange={this.handleInputChange} />
+                </div>
                 <Row>
                   <Col width='12'>
-                    <Button type='submit'>{this.props.button} Game</Button>
+                    <div className='new-game-submit-container'>
+                      <Button type='submit'>{this.props.button} Game</Button>
+                      {this.props.showGameName ? (
+                          <a onClick={this.toggleSettings}>
+                            <FontAwesomeIcon icon={faCog} size='lg' />
+                          </a>
+                      ) : (<Fragment />)}
+                    </div>
                   </Col>
                 </Row>
               </form>
diff --git a/src/constants.js b/src/constants.js
index 4cea1a6..9e82850 100644
--- a/src/constants.js
+++ b/src/constants.js
@@ -31,4 +31,5 @@ export const rootId = 'initial-element';
 export const messagePanelId = 'message-panel';
 export const ALERTS = { beginTurn: 'begin-turn',
                         otherPlayersTurn: 'other-players-turn',
+                        endOfGame: 'end-of-game',
                         raiseMoney: 'raise-money' }
diff --git a/src/server/farm.scm b/src/server/farm.scm
index 6643870..16ed0b8 100644
--- a/src/server/farm.scm
+++ b/src/server/farm.scm
@@ -91,11 +91,21 @@
    (colors initform: '() accessor: game-colors)
    (last-updated initform: 0 accessor: game-last-updated)
    (called-audit initform: #f accessor: game-called-audit)
-   (audit-threshold initform: 250000 accessor: game-audit-threshold)
    (state initform: 'playing accessor: game-state)
    (name initform: "game" accessor: game-name)
    (turn initform: 1 accessor: game-turn)
-   (actions initform: '() accessor: game-actions)))
+   (actions initform: '() accessor: game-actions)
+   (settings initform:
+             '((down-payment . 0.2)
+               (loan-interest . 0.2)
+               (max-debt . 50000)
+               (audit-threshold . 250000)
+               (starting-cash . 5000)
+               (starting-debt . 5000))
+             accessor: game-settings)))
+
+(define (game-setting setting game)
+  (alist-ref setting (game-settings game)))
 
 (define-class <app> ()
   ((games initform: '() accessor: app-games)
@@ -205,10 +215,13 @@
     color))
 
 (define (add-player-to-game game color name)
-  (let ((player (make <player> 'cash 5000 'color color
-                      'name name
-                      'state (if (= (length (game-players game)) 0)
-                                 'pre-turn 'turn-ended))))
+  (let ((player (make <player>
+                  'cash (game-setting 'starting-cash game)
+                  'debt (game-setting 'starting-debt game)
+                  'color color
+                  'name name
+                  'state (if (= (length (game-players game)) 0)
+                             'pre-turn 'turn-ended))))
     (set! (game-players game) (append (game-players game) (list player)))
     player))
 
@@ -322,9 +335,12 @@
              (calledAudit . ,(if (game-called-audit g)
                                  (player-name (game-called-audit g))
                                  #f))
-             (auditThreshold . ,(game-audit-threshold g))
              (state . ,(symbol->string (game-state g)))
-             (turn . ,(game-turn g))))))
+             (turn . ,(game-turn g))
+             (settings . ((downPayment . ,(game-setting 'down-payment g))
+                          (loanInterest . ,(game-setting 'loan-interest g))
+                          (maxDebt . ,(game-setting 'max-debt g))
+                          (auditThreshold . ,(game-setting 'audit-threshold g))))))))
 
 (define (push-message player msg #!key (game (session-ref (sid) 'game)))
   (if player
@@ -361,11 +377,11 @@
           ((> cash-value (player-cash player))
            (push-message player (conc "Could not buy " unnormalized-crop ". Not enough cash."))
            #f)
-          ((< cash-value (* total-cost 0.2))
+          ((< cash-value (* total-cost (game-setting 'down-payment game)))
            (push-message player
                          (conc "Could not buy " unnormalized-crop ". Not enough down payment."))
            #f)
-          ((> (- total-cost cash-value) (- 50000 (player-debt player)))
+          ((> (- total-cost cash-value) (- (game-setting 'max-debt game) (player-debt player)))
            (push-message player
                          (conc "Could not buy " unnormalized-crop ". Not enough credit."))
            #f)
@@ -611,16 +627,19 @@
      (* (player-debt player) -1)))
 
 (define (do-end-of-game game)
-  (push-message #f "Game over!")
-  (for-each (lambda (p i)
-              (push-message #f
-                            (conc i ". " (player-name p) " with $"
-                                  (player-net-worth p))))
-            (sort (game-players game)
-                  (lambda (p1 p2)
-                    (> (player-net-worth p1)
-                       (player-net-worth p2))))
-            (iota (length (game-players game)) 1)))
+  (message-players!
+   game
+   #f
+   `((results
+      . ,(list->vector
+          (map (lambda (p i)
+                 (conc i ". " (player-name p) " with $" (player-net-worth p)))
+               (sort (game-players game)
+                     (lambda (p1 p2)
+                       (> (player-net-worth p1)
+                          (player-net-worth p2))))
+               (iota (length (game-players game)) 1)))))
+   type: "end-of-game"))
 
 (define (create-ws-response player event misc)
   (append `((event . ,event) ,@misc)
@@ -646,6 +665,26 @@
 
 (define *next-roll* #f)
 
+(define (->number x default)
+  (if (number? x)
+      x
+      (if (string? x)
+          (or (string->number x)
+              default)
+          default)))
+
+(define (->pct x default)
+  (let ((n (->number x default)))
+    (if (or (> n 1) (< n 0))
+        default
+        n)))
+
+(define (->i x default)
+  (let ((n (inexact->exact (floor (->number x default)))))
+    (if (< n 0)
+        default
+        (- n (modulo n 1000)))))
+
 (define (process-message player game type msg)
   (when game
     (set! (game-messages game) '())
@@ -842,19 +881,25 @@
          (let ((amount (* (alist-ref 'amount msg) 1000)))
            (if (> amount 0)
                ;; taking out loan
-               (if (> (+ (player-debt player) amount) 50000)
+               (if (> (+ (player-debt player)
+                         (farming-round (+ amount (* amount (game-setting 'loan-interest game)))))
+                      (game-setting 'max-debt game))
                    (push-message player "Exceeds max loan.")
                    (begin (set! (player-cash player) (+ (player-cash player) amount))
-                          (set! (player-debt player) (+ (player-debt player) amount))
+                          (set! (player-debt player) (+ (player-debt player)
+                                                        (farming-round
+                                                         (+ amount (* amount (game-setting 'loan-interest game))))))
                           (push-message player (conc "Loan of $" amount " taken out."))))
                ;; repaying loan
-               (cond ((> amount (player-cash player))
+               (cond ((> (abs amount) (player-cash player))
                       (push-message player "Not enough cash to repay loan."))
-                     ((> amount (player-debt player))
-                      (push-message player "Repayment exceeds total loan amount."))
                      (else
                       (set! (player-cash player) (+ (player-cash player) amount))
                       (set! (player-debt player) (+ (player-debt player) amount))
+                      (when (< (player-debt player) 0)
+                        (set! (player-cash player) (+ (player-cash player)
+                                                      (abs (player-debt player))))
+                        (set! (player-debt player) 0))
                       (push-message player (conc "Loan of $" (abs amount) " repayed."))))
                ))
          (create-ws-response player "loan" '()))
@@ -908,7 +953,17 @@
                             'id (next-game-id *app*)
                             'otbs (setup-otbs)
                             'operating-expenses (setup-operating-expenses)
-                            'farmers-fates (setup-farmers-fates)))
+                            'farmers-fates (setup-farmers-fates)
+                            'settings
+                            `((down-payment . ,(->pct (alist-ref 'downPayment msg) 0.2))
+                              (loan-interest . ,(->pct (alist-ref 'loanInterest msg) 0.2))
+                              (max-debt . ,(->i (alist-ref 'maxDebt msg) 50000))
+                              (audit-threshold . ,(->i (alist-ref 'auditThreshold msg)
+                                                       250000))
+                              (starting-cash . ,(->i (alist-ref 'startingCash msg)
+                                                     5000))
+                              (starting-debt . ,(->i (alist-ref 'startingDebt msg)
+                                                     5000)))))
                 (player (add-player-to-game game
                                             color
                                             (alist-ref 'playerName msg))))
@@ -930,6 +985,7 @@
            (session-set! (sid) 'player player)
            (session-set! (sid) 'game game)
            (set-startup-otbs game player 2)
+           (message-players! game player '() type: "update")
            (create-start-response "new-game-started")))
         ((string=? type "join-as-existing")
          (let* ((name (alist-ref 'gameName msg))
@@ -993,29 +1049,29 @@
            (set! game (session-ref (sid) 'game)))
          (when (not player)
            (set! player (session-ref (sid) 'player)))
-         (when (< (player-last-updated player)
-                  (game-last-updated game))
-           (handle-exceptions
-               exn
-             (send-message
-              (json->string
+         ;; when (< (player-last-updated player)
+         ;;         (game-last-updated game))
+         (handle-exceptions
+             exn
+           (send-message
+            (json->string
+             `((exn . ,(with-output-to-string
+                         (lambda ()
+                           (print-call-chain)
+                           (print-error-message exn)))))))
+           (send-message
+            (json->string
+             (handle-exceptions
+                 exn
                `((exn . ,(with-output-to-string
                            (lambda ()
                              (print-call-chain)
-                             (print-error-message exn)))))))
-             (send-message
-              (json->string
-               (handle-exceptions
-                   exn
-                 `((exn . ,(with-output-to-string
-                             (lambda ()
-                               (print-call-chain)
-                               (print-error-message exn))))
-                   (event . "error"))
-                 (create-ws-response player
-                                     (alist-ref 'type msg)
-                                     (alist-ref 'value msg))
-                 )))))
+                             (print-error-message exn))))
+                 (event . "error"))
+               (create-ws-response player
+                                   (alist-ref 'type msg)
+                                   (alist-ref 'value msg))
+               ))))
          (loop (mailbox-receive! (player-mailbox player))))))))
 
 (define (otb-spec->otb-cards spec id)
diff --git a/src/style.scss b/src/style.scss
index f822e11..632b6ec 100644
--- a/src/style.scss
+++ b/src/style.scss
@@ -762,3 +762,21 @@ $intro-time: 6s;
 .fa-arrow-circle-left {
     cursor: pointer;
     margin-right: 0.5rem; }
+
+.info-bar {
+    @include breakpoint(landscape) {
+        position: absolute; }
+    text-align: center;
+    padding: $tab-margin;
+    height: 2rem; }
+
+.new-game-submit-container {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    .button {
+        margin: 0; }
+}
+
+.hidden {
+    display: none; }