--- a/economy.c	Tue Dec 28 09:24:02 2004 +0000
+++ b/economy.c	Tue Dec 28 09:29:40 2004 +0000
@@ -105,8 +105,8 @@
 		}
 	}
 
-	if (p->player_money > 0)
-		value += p->money64; // add real money value
+	if (p->player_money > p->current_loan)
+		value += p->money64 - p->current_loan; // add real money value
 
 	return value;
 }