I'm playing as USA, currently in Early Jan, 1854. I have abundant Money 4793, but low in Private Capital 506. My inflation is 13%. Just couple years away from the Civil War. I have 16 colonial areas with Formal colony or better status (The West + Hawai) with Samoa in progress. I've set Census Tax and Corporate Tax 1%, Excise Tax+Tariff Tax +Maritime Tax to Maximum. I've tweak all taxes percentages to increase Private Capital, and nothing big happened to my Private Capital though. Is it because i lack selling luxury goods, i have only 14 in current stock(planned income 6, spending 6 too). This is frustrating, i have to build grand army to defeat the South. Do i have start all over again to try build Luxury Goods from the beginning. Any suggestions ?