I have played 3 South Amerincan countries and 2 European countries in Victoria1.04. My factories never produce anything and run at a loss. I start playing France and a typical factory with 5 slots of about 12000 craftsmen or clerks each, produces 0.2 timber to lumber at 21% effeciency at a loss of -0.9 per day. With the economic sliders in their starting position, the country is making a loss of -135 per day. The game is not playable like this!