Hi all, I'll try to keep this as brief as possible. Posting this write-up at Keller's request. This vote won't necessarily dictate what we do, but it's to give Keller as much info on what the league wants before making a decision. The Situation As a few of you are aware, but many probably aren't, finances in M15 are more or less broken. For teams such as the Cowboys, Texans, Giants, probably Bears/Packers, etc... this is not a big deal. But for a large portion of the league, this is a major deal. The problem is that signing bonuses have to come from available funds. At surface glance, this seems fair, right? Manage your finances intelligently, and you should be fine. The issue is that for many teams, this is going to be absurdly difficult. You may finish the year a few million in the black, but then what? You may have to lose multiple key FAs despite being far below the salary cap. You may be unable to sign any impact FAs despite having the cap and desire to do so. I guarantee many small-market teams will finish year 1 and/or 2 in the red, meaning they cannot retain ANY quality FAs. If you finish in the red two seasons in a row, the game kicks you out as owner (no way to override this). And the worse your team gets, the less money you make. This creates an absolutely maddening & hopeless-feeling downward spiral, whereby the worst teams in the league fall into the red and thus can't sign the very FAs that would encourage turnarounds in the real NFL. In offline franchises, people running small market teams have been able to survive barely in the black, losing most or all of their key FAs and signing no additional impact FAs, by advancing deep into the playoffs despite far inferior talent and/or winning the SB year after year. Do YOU feel you are so good at Madden that you can rely on finishing as a top 4 team in this H2H league consistently despite far inferior talent? I certainly do not. Compare this with the real NFL. Even small market teams are swimming with money--the Bills gave $50mil guaranteed to Mario Williams. Indy splurged in free agency a couple summers ago. You never ever hear of a team who "can't afford" to retain their talent--it may be a strategic, cap-driven decision, but it's never due to lack of money. In M15, that will be a funds-driven decision for a LOT of teams. In other words, the already rich in talent are going to get a lot richer in talent. Rebuilding is made even harder, borderline impossible financially. Small market teams often have to carry $40-50m in unused cap space to remain viable. Even the signing bonuses for draft picks is absurdly difficult to absorb--some small market teams found it better to trade/give away their high picks to avoid the bonuses they couldn't afford. This just does not EVER happen in the NFL. There's been huge outcry on Reddit, etc about this. It's possible EA patches this, and it's possible this patch occurs in a way that could impact an already-existing franchise file such as ours two, three months down the line. I have seen nothing about it, but it's certainly possible. Coach mode eliminates the need to pay bonuses out of funds. All other GM duties are the same as in Owner mode, the only difference is you don't have to worry about ticket sales, etc. and cannot relocate to another city. Salary cap management becomes strategic--you still have to worry about balancing guaranteed money, cap penalties, escalating contracts, etc.--but it is NOT about finances. The downside: switching to Coach mode would require an extra few days for people to rejoin league as Coach. This is not a small downside, unfortunately. This would mean delaying the league by several days, redoing cuts, re-submitting waivers. This would be ANNOYING, and could cause a few extra owners to drop (not me). (Edit: file does not need to be restarted.) The upside: if we don't switch, and if finances really are as dire as they seem to be now, many owners will quit or be ousted within a season or two. The ones who do stay and try to power through might see their team get worse and worse as they can't retain FAs and teams who DO have no issue sitting on $20-50 mil in cash sign all the talent they want. To be very clear: if you have negative funds, and your player/FA wants even a tiny $10k signing bonus (and ALL quality FAs require a signing bonus), you cannot sign or resign him. Sorry for the wall of text, but this is a crucial decision for the league to weigh in on. We can power forward quickly, hope for the best (and it may be fine?). Or we can do a quick-as-possible, but still annoying, reset right now, and eliminate all worry of finances/funds down the line. Poll closes Tues night @ 11:30 pm CST so Keller can make a decision either way as quickly as possible.