Last night, we played with four investigators. We took loans at the bank early in the game. Shudde M'ell was the GOO. We only had two buildings destroyed by earthquakes the whole game, the first one being the bank. There was a question raised about whether the two bank loans would require us to continue to pay interest if the bank was destroyed.
The guy I was playing with suggested the bank loans would go away with the bank. I contended that the bank's loan collection was actually in Boston and they demanded their interest payments. I searched for an official response on this or even a concensus, but couldn't find one. Do you guys have an answer or opinion?
By the way, we STOMPED Shudde M'ell with four investigators (the magician, the musician, the psychic and the researcher). We played with only the BASE plus KIY. We did NOT play with the KIY herald. The only additions to that were injury/maddness cards and obviously Shudde M'ell. Our biggest weakness early on was the lack of any physical weaponry at all and several magical immunity/resistant monsters. But two things made this game a cakewalk: the psychic and the spell "Arcane Insight." With what was essentially three "magic-users" in the group with the fourth not being too shabby at it either, we were essentially controlling what mythos card we got every round. We consolidated the "Arcane Insight" with two tomes (tomes give a +1 each to the casting check which starts off with a -4). By the end we had three tomes with the user of "Arcane Insight." That spell was traded around so much that it ended up being used by 3 of the 4 investigators at some point. Trading of materials was frequent as we felt like we had plenty of time to do whatever needed to be done because we always knew what was coming.