Pay to play; the wait times on construction are atrocious; no real purpose or direction; earning gold coins takes forever; great premise but overall disappointing and lacking. I want to like this game so much more than I do. Was hoping the game was more akin to "Do I Have the Right" by iCivics, it is not. Finally, I have four out of five couriers just running files and the fraud department still doesn't get any of them! It is beyond frustrating!