Sub tropical
Very low towns
Low industry
Mountainous
High sea level
Very smooth smoothing
3% initial interest rate
4x subsidy pay (maybe people will actually try them now?)
Train reversing at end of line only
Set service intervals are in percents to off
Turn off buying of exclusive trading rights
Also I think you should run Generic Tram Set v0.4. I thought you also mentioned Generic Cars. They cost $0 to create, only $100 a year to run and can fit a grand total of 4 people. If you use them make sure you've got some kind of spamming policy in place. I wouldn't mind decorating cities with them or to serve as a high speed taxi service between extremely small towns, but people can just as easily flood your towns with 5000 tiny cars that constantly break down.