Changes for version 4

• Replaced 'Smart Investment' special ability with 'Manager' 
• • Feedback indicated 'smart investment' was not very useful. Replaced with an ability to utilise cohorts for downtime activities.
• Added the requirement for the willing transfer of coin to activate 'Money talks' 
  • Changed 'Money Talks'  to require that the coin changes hands voluntarily to prevent the ability helping with pickpocket type activities.