Why not just revert back to the way colors worked before. That seemed to work fine. Much better than combining them with the treasures. I don't think you should just nix the bonus though.
Sure, I'll take $25 million.
I'm making around $6.7 million daily plus selling resources.
Payback in full on day 5 (will average about $5.4 million daily).
Just saw you only have $7 million currently available. Don't worry about sending anything now, but if you would have 15 million to lend within the next week, I'll take it. Will be repaid 3 days after received.