I agree very much with Bjorn and Zelot, with the exception of one thought: The 500 million.
See, the factions, especially with these newly solidified restrictions, are at best examples, with a few toys. Toys, in my opinion, not worth the 500. Since the 500 policy was instated, I've seen less and less creative faction proposals, ideas, and movements. Factions are now playing, for the most part, the role the NPCs play. I think this is a failure of the inventive spirit of RP, and it is caused by the 500 million, among other things. Simply, I think, if the factions have no more special powers than they have today, the 500 million is far to much. They should not be considered such a serious investment.
Faction proposals, and the creativity implied, should be allowed to run more rampant.
Yes, Zelot, this is a deviation from a previous position. What can I say, I change my mind according to the times, and I often chose one side of an issue I'm ambivalent over. Honestly, do you expect people to remain static?