[rwglaub]

I'm thinking of a party that has started to build a settlement by pooling their resources and building up gradually. The settlement is part of a kingdom, but the kingdom's role is basically 'good luck and if you die we'll give you a nice funeral'. It seems to me that most adventuring parties would do it that way. HL seems to have spectacularly failed at this concept.

What I'm trying to say is that most settlements are going to be founded by a group working together, rather by rugged individualists working alone. HL has failed to take this in account.