Original article: https://www.wsj.com/articles/as-interest-rates-rose-banks-did-a-balance-sheet-switcheroo-8e71336f?mod=hp_lead_pos2

As the Federal Reserve’s interest-rate hikes sent bond prices plunging last year, some of the country’s largest banks used a simple accounting maneuver to help keep billions of dollars of losses from piling up on their books.
They declared that they intended to hold on to large portions of their money-losing bonds until they matured rather than selling them, and they then changed the bonds’ accounting labels accordingly. From then on, the bonds would be frozen in time, no matter how far their values fell in the market.
The Wall Street Journal identified six large U.S. banks including Charles Schwab Corp. SCHW -1.84%decrease; and PNC Financial Services Group Inc. PNC 1.47%increase; that together switched the classifications on more than $500 billion of their bond investments last year. For some banks, excluding the unrealized losses from their balance sheets allowed them to report robust levels of capital when in reality their assets were worth much less.
The collapse of Silicon Valley Bank has drawn fresh attention to a decades-old debate over the accounting rules. Current rules often let companies show vastly different values for the same assets, depending on what they claim they intend to do with them. In addition, the rules often let companies change their stated intentions midstream, which can have outsize impacts on how healthy their balance sheets look.
The six banks were able to flatter their balance sheets with a flick of the accounting ledger. Banks can hold assets as “available for sale,” which means they are valued using market prices. Another option is to call them “held to maturity,” meaning they won’t be sold. These bonds are held at the banks’ cost. The logic is that daily market prices aren’t relevant to assets that banks wouldn’t sell.
The banks’ held-to-maturity bonds had a combined $1.14 trillion balance-sheet value as of Dec. 31, up from $681 billion a year earlier. The increase was mainly due to the reclassifications.
The $1.14 trillion figure was $118 billion, or 12%, higher than the bonds’ fair-market values, disclosed in footnotes to the banks’ financial statements. The $118 billion was equivalent to 18% of the banks’ total equity, which is the difference between assets and liabilities.
A year earlier, the difference between the held-to-maturity bonds’ market value and balance-sheet value was negligible. Most of the securities were backed by the U.S. government. The amounts of the reclassifications were disclosed in the companies’ financial reports. The Journal found the six banks using data compiled by S&P Global.
The large gap between the stated values and actual values of banks’ assets has fueled growing concern about whether a significant portion of many banks’ capital is illusory. Capital is roughly synonymous with equity, and refers to the financial cushion a company has available to absorb future losses. Institutions including Charles Schwab changed the classifications of bond investments last year.Photo: Claudio Papapietro for The Wall Street Journal
The six banks’ reclassifications were part of an industrywide shift last year as bond prices fell. About 48% of securities held by U.S. banks were classified as held-to-maturity at the end of 2022, up from 34% a year earlier, according to Federal Deposit Insurance Corp. data. Unrealized losses on securities were $620 billion, of which $341 billion were on bonds dubbed held-to-maturity. The six banks’ unrealized losses on held-to-maturity securities accounted for 35% of the industry total.
The biggest such reclassification was by Charles Schwab, which is structured as a savings and loan holding company and regulated by the Fed. It transferred $188.6 billion of securities to the held-to-maturity category from available-for-sale. Schwab wasn’t labeling any of its bonds as held-to-maturity at the end of 2021.
PNC transferred $82.7 billion of bonds to held-to-maturity from available-for-sale. JPMorgan Chase JPM & Co. transferred $78.3 billion. Truist Financial Corp., TFC; Wells Fargo WFC & Co. and U.S. Bancorp USB; transferred $59.4 billion, $50.1 billion and $45.1 billion, respectively.
“This is an artificial accounting construct, not an economic measure of the value of the assets,” said Sandy Peters, head of financial reporting policy for the CFA Institute, which certifies chartered financial analysts. “The value of a bond doesn’t change based upon how management decides to classify it. It’s worth what it’s worth.”
Silicon Valley Bank’s parent, SVB Financial Group, didn’t reclassify any securities last year, and most of its bonds were labeled held-to-maturity from the get-go. That meant SVB had locked itself into a long-term bet that interest rates would stay low. The unrealized losses on those bonds at year-end were almost as large as SVB’s $16.3 billion of total equity. It couldn’t sell the bonds without booking losses and taking hits to capital.
By the end of last year, the fair-market value of Schwab’s held-to-maturity bonds was $14.1 billion less than their balance-sheet value. The unrealized losses were equivalent to 39% of Schwab’s total equity. The unrealized losses exceeded Schwab’s $6.2 billion of tangible common equity, which is a bare-bones capital metric that excludes preferred stock and intangible assets.
A Schwab spokeswoman pointed to a March 23 open letter by the company’s co-chairmen, Charles Schwab and Walt Bettinger. “Focusing attention on ‘unrealized losses’ in our held-to-maturity (HTM) portfolio is very misleading,” they said, adding that “there is a near-zero chance we’d need to sell any of our HTM portfolio before maturity.”
At Wells Fargo, unrealized losses on held-to-maturity securities were $41.5 billion, equivalent to 23% of total equity. At U.S. Bancorp, they were $10.9 billion, or 21% of total equity. At Truist, they were $9.9 billion, or 16% of total equity. The percentages at JPMorgan and PNC were 13% and 11%, respectively.
In their annual reports, most of the banks said they did the transfers to keep the fair-value changes out of their equity and capital metrics. In its annual report, PNC said it changed its intent for the securities “to reduce the impact of price volatility” on equity and capital. Truist said it made the transfers as the company “continues to execute upon its asset-liability management strategies.”
Wells Fargo said it made the transfers “to reposition the overall portfolio for capital management purposes.” JPMorgan cited “capital management purposes.”
Jeffrey Shelman, a U.S. Bancorp spokesman, said: “We are always making decisions to manage our balance sheet to ensure appropriate liquidity, balanced by the desire to mitigate the volatility that is associated with interest-rate movements.” Spokesmen for PNC, JPMorgan and Truist and a Wells Fargo spokeswoman declined to comment.

Discussion Schedule and Navigation

• 03/27 - SSR: Catura
• 03/28 - SSR: Aglovale and Tor
• 03/29 - Class: Elysian
• 03/30 - Weapon: Zechariah
• 03/31 - Weapon: Eternal Signature

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Class Discussion: Elysian

Strum a mystical melody that fades the border between reality and delusion on the battlefield.

Resources

• gbf.wiki page
• Gamewith

Unlock Prerequisites

• CP ×2,500
• Troubadour Distinction ×20
• Superior Songsmith trophy — Clear Clear the quest Search for an Heir with a Harpist-type class

Class Details

• Style: Special
• Specialty: Harp, Dagger
• Class Champion Weapon: Chanteuse Angelique

Level Bonuses

Level	Bonus
1	DEF +6%
5	Debuff Resistance +10%
10	DEF +6%
15	Debuff Resistance +10%
20	DEF +6%

• Total: DEF +18%, Debuff Resistance +20%
• Completion Bonus: Cut to DMG from a foe in overdrive +1%, Healing +1%

Master Bonuses

Level	Bonus	Level	Bonus	Level	Bonus
1	-	11	Debuff Success +2%	21	Debuff Success +2%
2	Debuff Success +2%	12	HP +200	22	HP +200
3	HP +200	13	Debuff Resistance +2%	23	Debuff Success +2%
4	DEF +4%	14	Debuff Success +2%	24	Debuff Resistance +2%
5	Debuff Success +2%	15	HP +200	25	HP +200
6	HP +200	16	DEF +4%	26	Debuff Success +2%
7	Debuff Resistance +2%	17	Debuff Success +2%	27	HP +200
8	Debuff Success +2%	18	HP +200	28	Debuff Success +2%
9	HP +200	19	Debuff Resistance +2%	29	HP +200
10	DEF +4%	20	New Support Skill	30	Main Skill Upgrade

• Total: HP +2,000; DEF +12%; Debuff Resistance +8%; Debuff Success +20%
• New Support Skill: Elegante

Support Skills

Name	Obtained	Description
Misterioso	Lvl 1	Reduce damage taken from foes in Overdrive. 10% boost to all allies' debuff success rate when in superior element.
Appassionato	Lvl 1	Boost to "Sky Real Song" skill's double attack rate.
		All allies gain High Voltage (ATK Up) and High Voltage (DEF Up) upon using "Concludere" skill.
Elegante	Mst 20	Boost to all allies' multiattack rate based on their own number of buffs.

• Appassionato:
  • High Voltage boosts ATK or DEF by 5%.
    • Values increase by 5% for each party present in the raid (Max: 30%).
    • Excludes other parties with another Harpist- or Drum-Master-type classes.
  • High Voltage (ATK Up) is unique modifier.

Main Skill

• Name: Concludere
• Skill Type: Buffing (Yellow)

Obtained	Cooldown	Effects	Duration
Lvl 1	7 turns	All parties gain Healing Up (Stackable) and Healing Cap Up (Stackable).	3 turns
		All parties gain 20% [Elemental ATK Up] based on main weapon's element.	3 turns
		Buff values increase based on main weapon type equipped.
Mst 30	6 turns	Healing Up (Stackable) and Healing Cap Up (Stackable) duration increased.	Indefinite
		Also gain Debuff Res. Up (Stackable). Value increases based on main weapon type equipped.

• When a Dagger-type weapon is equipped, the values are as follows:
  • 10% Healing Up (Stackable)
  • Healing Cap Up (Stackable): 10% (first stack only); 5% (subsequent stacks); Cap: 20%
  • 10% Elemental ATK Up
  • 5% Debuff Res. Up (Stackable) (Max: 15%)
• When a Harp-type weapon is equipped, the values are as follows:
  • 40% Healing Up (Stackable)
  • Healing Cap Up (Stackable): 20% (first stack only); 5% (subsequent stacks); Cap: 30%
  • 20% Elemental ATK Up
  • 10% Debuff Res. Up (Stackable) (Max: 30%)

EMP Skill 1

• Name: Dirge for the Dead
• Skill Type: Debuffing (Blue)
• Cooldown: 6 turns
• EMP Cost: 20

Effects	Duration
Inflict 15% DEF Down and 20% [Elemental DEF Down] based on weapon's main element.	180 seconds

EMP Skill 2

• Name: Voice Unveiled
• Skill Type: Healing (Green)
• Cooldown: 8 turns
• EMP Cost: 10

Effects	Duration
All allies gain Death's Grace and Revitalize (250).	5 turns

EMP Skill 3

• Name: Call of the Abyss
• Skill Type: Buffing (Yellow)
• Cooldown: 5 turns
• EMP Cost: 14

Effects	Duration
All allies gain DA Up and TA Up based on main weapon type equipped.	3 turns
Inflict 35% Charge Bar Gain Lowered on all allies.	3 turns

• Grants 80% DA Up and 30% TA Up if a Harp-type weapon is equipped.
• Grants 40% DA Up and 10% TA Up if a Dagger-type weapon is equipped.
• Inflicts Charge Bar Gain Lowered regardless of Veil.
• Charge Bar Gain Lowered can be removed.

EMP Skill 4

• Name: Oratorio
• Skill Type: Buffing (Yellow)
• Cooldown: 6 turns
• EMP Cost: 50

Effects	Duration
Harp-specialty allies gain 30% DA Up, 30% TA Up and 20% Bonus DMG.

Helpful topics to discuss

• What role does this class fill and what content does it do particularly well in?
• Which elements are best suited to using this class?
• What MH weapons are particularly suited to this class?
• Is the CCW worth using for this class?
• How does this class compare to other classes, for early-, middle-, and late-game players?
• What general subskill would you recommend using with this class?
• Which EMP nodes would you prioritize for the class?
• Which EMP skill are worth taking?
• How does this class fare in full auto?
• How does this class fare in battle system 2.0?
• How do you personally use this class, if at all?
• How was the class improved with Mastery Bonuses?

Summary As Of:	29MAR @ 12:09 GMT
Countries	229 + 2
Cases	683,562,114
Deaths	6,828,627
Recovered	656,518,028
Active Cases	20,215,459

^{Countries reporting new cases: 31}

^{Countries reporting new deaths: 17}

^{Countries reporting increased Active Cases: 20}

^{Countries reporting decreased Active Cases: 21}

Complete Chart

Data Source

	With Active cases	w/No Active cases	w/All cases rcvrd
Cntry’s	223	4	2
Cases	683,562,114	4	2
Deaths	6,828,627	3,342	0
Rcvrd	656,518,028	4,837,159	1,959

^{Past 7 day totals of new: cases, deaths, recoveries & actives. With 3 & 7 day averages.}

Date	Cases	Deaths	Rcvr’s	Actives
22MAR	93,523	737	158,752	20,343,291
23MAR	90,734	697	158,497	20,299,558
24MAR	72,294	458	90,713	20,280,719
25MAR	70,220	292	79,244	20,281,607
26MAR	48,901	216	89,182	20,238,075
27MAR	55,829	540	78,962	20,259,465
28MAR	81,268	471	100,026	20,240,236
3 Day Avg	61,999	409	89,390	20,245,925
7 Day Avg	73,253	487	107,911	20,277,564

^{Cases, Deaths, Actives by Continent}

Cont	Cases	Deaths	Actives
Europe	247,700,282	2,029,459	2,338,722
N A	125,569,426	1,621,000	2,839,765
Asia	215,185,240	1,540,408	13,866,311
S A	68,319,182	1,352,486	571,850
Africa	12,809,582	258,653	470,601
Oceania	13,977,681	26,606	128,210
World	683,562,114	6,828,627	20,215,459

^{Countries with Active Cases}

Country	Cases	Deaths	Recoveries	Actives
USA	106,120,651+	1,153,972+	103,838,726+	1,127,953-
India	44,709,676+	530,848+	44,166,925+	11,903+
France	39,771,704	165,573	39,473,539-	132,592+
Germany	38,343,472+	170,627+	38,064,200+	108,645-
Brazil	37,258,663+	700,239+	36,249,161	309,263+
Japan	33,441,444+	73,825+	21,717,039+	11,650,580+
S. Korea	30,798,723+	34,245+	30,591,158+	173,320+
Italy	25,673,442	188,933	25,345,910	138,599
UK	24,448,729	209,396	24,191,298+	48,035-
Russia	22,614,774+	397,179+	21,970,063+	247,532-
Turkey	17,042,722	101,492	N/A	N/A
Spain	13,790,580	120,170	13,638,948	31,462
Vietnam	11,527,236	43,186	10,614,946	869,104
Australia	11,301,219	19,760	11,259,555	21,904
Taiwan	10,239,998	19,005	10,115,199+	105,794-
Argentina	10,044,957	130,472	9,913,653	832
Netherlands	8,608,979+	22,992	8,571,158+	14,829-
Iran	7,580,858	145,091	7,342,490	93,277
Mexico	7,527,885	333,449	6,769,105	425,331
Indonesia	6,744,873	161,005	6,579,113	4,755
Poland	6,493,178+	119,296+	5,335,940	1,037,942+
Colombia	6,361,810	142,665	6,185,327	33,818
Austria	6,027,525	22,100	5,973,687	31,738
Greece	5,920,428	36,447	5,876,606+	7,375-
Portugal	5,573,509	26,362	5,541,722	5,425
Ukraine	5,427,360	111,457	5,287,774	28,129
Chile	5,255,620	64,497	5,185,825	5,298
Malaysia	5,049,268	36,979	5,002,242	10,047
Israel	4,812,877	12,390	4,794,621	5,866
Belgium	4,767,730	33,982	4,688,019+	45,729-
Thailand	4,728,632	33,935	4,692,636	2,061
Czechia	4,632,497+	42,644+	4,582,244+	7,609+
Canada	4,625,743	51,930	4,540,571-	33,242+
Peru	4,491,772+	219,746+	4,268,865+	3,161-
Switzerland	4,396,055	14,452	4,375,203	6,400
Philippines	4,080,562	66,351	4,005,596	8,615
South Africa	4,072,892	102,595	3,912,506	57,791
Romania	3,367,921	67,858	3,284,498+	15,565-
Denmark	3,177,979	8,369	3,167,794-	1,816+
Hong Kong	2,884,610	13,475	2,868,947	2,188
Sweden	2,701,192	23,823	2,674,341+	3,028-
Serbia	2,516,046	17,964	2,483,037-	15,045+
Iraq	2,465,545	25,375	2,439,497	673
New Zealand	2,262,186	4,002	2,248,287	9,897
Singapore	2,255,812	1,722	2,149,583	104,507
Hungary	2,198,461	48,791	2,144,942	4,728
Bangladesh	2,037,978	29,445	1,998,448	10,085
Slovakia	1,865,260+	21,096+	1,843,261+	903-
Georgia	1,831,771	17,004	1,776,548	38,219
Jordan	1,746,997	14,122	1,731,007	1,868
Ireland	1,706,176	8,750	1,694,925+	2,501-
Pakistan	1,579,405+	30,649	1,538,689	10,067+
Norway	1,480,767+	5,213	1,474,395+	1,159+
Finland	1,465,256	9,028	1,454,276+	1,952-
Kazakhstan	1,409,220	13,847	1,383,020	12,353
Slovenia	1,339,322	7,098	1,326,515	5,709
Lithuania	1,313,781+	9,631	1,298,216+	5,934-
Bulgaria	1,299,702+	38,253+	1,258,965+	2,484+
Morocco	1,272,622	16,296	1,256,151	175
Croatia	1,270,513	18,044	1,251,940	529
Guatemala	1,243,936+	20,185+	1,222,756+	995-
Lebanon	1,234,494	10,865	1,087,587	136,042
Costa Rica	1,219,074	9,291	860,711	349,072
Bolivia	1,195,651+	22,373	1,163,721+	9,557-
Tunisia	1,151,832+	29,362+	N/A	N/A
Cuba	1,112,789	8,530	1,104,168	91
Ecuador	1,058,004	36,016	1,021,105	883
UAE	1,057,098+	2,349	1,038,208+	16,541+
Uruguay	1,036,159	7,621	1,027,930	608
Panama	1,032,939	8,612	1,023,439	888
Mongolia	1,007,907	2,179	1,005,721	7
Nepal	1,001,263	12,020	989,165	78
Belarus	994,037	7,118	985,592	1,327
Latvia	976,803+	6,280+	970,120+	403-
Saudi Arabia	832,975	9,630	818,795	4,550
Azerbaijan	829,494+	10,175+	819,115+	204+
Paraguay	808,643	19,881	N/A	N/A
Bahrain	716,218	1,559	713,733	926
Sri Lanka	672,068	16,834	655,225	9
Kuwait	664,772	2,570	660,237	1,965
Dominican Republic	660,848	4,384	644,785	11,679
Cyprus	654,714	1,345	649,340	4,029
Myanmar	634,075	19,490	614,496	89
Palestine	621,008	5,404	615,445	159
Moldova	617,836	12,069	504,142	101,625
Estonia	616,447	2,965	524,990	88,492
Venezuela	552,351	5,854	546,211	286
Egypt	515,852	24,613	442,182	49,057
Libya	507,206	6,437	500,764	5
China	503,302	5,272	379,053	118,977
Ethiopia	500,472	7,573	487,554	5,345
Qatar	498,827	688	497,039	1,100
Réunion	486,588	921	418,572	67,095
Honduras	472,439	11,111	N/A	N/A
Armenia	447,778	8,733	435,162	3,883
Bosnia and Herzegovina	401,973	16,296	379,084	6,593
Oman	399,449	4,628	384,669	10,152
North Macedonia	347,327	9,665	337,068	594
Zambia	343,566	4,057	339,320	189
Kenya	342,958	5,688	337,243	27
Albania	334,599	3,601	329,311	1,687
Botswana	329,785	2,801	326,969	15
Luxembourg	297,757	1,133	288,991	7,633
Montenegro	289,869	2,814	286,325	730
Brunei	280,790	225	243,601	36,964
Algeria	271,578	6,881	182,893	81,804
Nigeria	266,641	3,155	259,938	3,548
Zimbabwe	264,456	5,678	258,484	294
Uzbekistan	251,660	1,637	241,486	8,537
Mozambique	233,214	2,242	228,805	2,167
Martinique	229,807	1,098	N/A	N/A
Laos	218,034+	758	N/A	N/A
Afghanistan	210,254	7,896	192,210	10,148
Iceland	209,191	229	N/A	N/A
Kyrgyzstan	206,740	2,991	196,406	7,343
Guadeloupe	202,004	1,010	N/A	N/A
El Salvador	201,785	4,230	179,410	18,145
Trinidad and Tobago	191,007+	4,372+	186,554+	81-
Maldives	185,771	311	163,687	21,773
Ghana	171,412	1,462	169,896	54
Namibia	171,222	4,090	167,099	33
Uganda	170,570	3,630	100,431	66,509
Jamaica	154,538	3,528	102,572	48,438
Cambodia	138,725+	3,056	135,665	4+
Rwanda	133,194	1,468	131,647	79
Cameroon	124,741	1,968	122,640	133
Malta	118,004	832	116,488	684
Barbados	106,798	579	106,211	8
Angola	105,298	1,933	103,342	23
Channel Islands	101,717+	228	101,321+	168+
French Guiana	98,041	420	11,254	86,367
DRC	95,862	1,464	84,395	10,003
Senegal	88,951	1,971	86,967	13
Malawi	88,711	2,686	85,619	406
Ivory Coast	88,300+	834	87,458	8+
Suriname	82,467	1,404	N/A	N/A
New Caledonia	79,912+	314	79,616+	-18-
French Polynesia	78,101	649	N/A	N/A
Eswatini	74,323	1,425	72,824	74
Guyana	73,114	1,298	71,796	20
Belize	70,782	688	70,085	9
Fiji	68,911	883	67,014	1,014
Madagascar	68,049	1,424	66,545	80
Sudan	63,899	5,026	58,599	274
Mauritania	63,668	997	62,441	230
Cabo Verde	63,260	413	62,786	61
Bhutan	62,647	21	61,564	1,062
Burundi	53,661	38	53,569	54
Seychelles	50,937	172	50,750	15
Gabon	48,981	306	48,674	1
Andorra	47,908	165	47,563	180
Papua New Guinea	46,826	670	43,982	2,174
Curaçao	45,986	295	44,720	971
Aruba	44,082	236	42,438	1,408
Tanzania	42,942	846	N/A	N/A
Mayotte	42,004	188	N/A	N/A
Mauritius	41,821	1,043	40,106	672
Togo	39,445	290	39,127	28
Guinea	38,280	467	37,757	56
Isle of Man	38,008	116	N/A	N/A
Bahamas	37,491	833	36,366	292
Lesotho	34,790	723	25,980	8,087
Faeroe Islands	34,658	28	N/A	N/A
Haiti	34,217+	860	33,148+	209-
Mali	33,108	743	32,277	88
Cayman Islands	31,472	37	8,553	22,882
Saint Lucia	30,028	409	29,095	524
Benin	27,999	163	27,830	6
Somalia	27,334	1,361	13,182	12,791
Congo	25,375	386	24,006	983
Solomon Islands	24,575	153	N/A	N/A
Micronesia	24,195	63	N/A	N/A
San Marino	23,747	123	23,574	50
Timor-Leste	23,422	138	23,102	182
Burkina Faso	22,056	396	21,596	64
Liechtenstein	21,437	91	21,344	2
Gibraltar	20,462	111	16,579	3,772
Grenada	19,680	238	19,358	84
Bermuda	18,849	163	18,673	13
Nicaragua	18,491	225	4,225	14,041
South Sudan	18,368	138	18,115	115
Tajikistan	17,786	125	17,264	397
Equatorial Guinea	17,229	183	16,907	139
Tonga	16,813	13	15,638	1,162
Samoa	16,735	31	1,605	15,099
Monaco	16,135	67	15,992	76
Dominica	15,760	74	15,673	13
Marshall Islands	15,723	17	15,621	85
Djibouti	15,690	189	15,427	74
CAR	15,368	113	15,200	55
Gambia	12,598	372	12,189	37
Saint Martin	12,276	63	1,399	10,814
Vanuatu	12,014	14	11,976	24
Greenland	11,971	21	2,761	9,189
Yemen	11,945	2,159	9,124	662
Caribbean Netherlands	11,682	38	10,476	1,168
Sint Maarten	11,023	91	10,905	27
Niger	9,931	312	8,890	729
St. Vincent Grenadines	9,601+	124	9,472+	5+
Guinea-Bissau	9,134	176	8,720	238
Antigua and Barbuda	9,106	146	8,954	6
Comoros	9,067	161	8,885	21
Liberia	8,090	295	7,783	12
Sierra Leone	7,762	126	N/A	N/A
Chad	7,688	194	4,874	2,620
British Virgin Islands	7,305	64	N/A	N/A
Cook Islands	7,033	2	7,030	1
Saint Kitts and Nevis	6,598+	48	6,549	1+
Turks and Caicos	6,565	38	6,509	18
Sao Tome and Principe	6,437	78	6,272	87
Palau	5,997	9	5,985	3
St. Barth	5,459	6	N/A	N/A
Nauru	5,393	1	5,347	45
Kiribati	5,014	18	2,703	2,293
Anguilla	3,904	12	3,879	13
Macao	3,515	121	3,392	2
Saint Pierre Miquelon	3,452	2	2,449	1,001
Wallis and Futuna	3,427	7	438	2,982
Tuvalu	2,805	0	0	2,805
Saint Helena	2,166	0	2	2,164
Montserrat	1,403	8	1,376	19
Niue	797	0	794	3
Tokelau	5	0	0	5
Total:	683,562,114	6,828,627	656,518,028	20,215,459

^{Countries with no active cases: 2}

Country	Cases	Deaths	Rcvrd
Falkland Islands	1,930	0	1,930
Vatican City	29	0	29
2 Total:	1,959	0	1,959

^{Countries with all cases rcvrd: 4}

Country	Cases	Deaths	Rcvrd
DPRK	4,772,813	74	4,772,739
Eritrea	10,189	103	10,086
Syria	57,489	3,164	54,325
Western Sahara	10	1	9
4 Total:	4,840,501	3,342	4,837,159

^{International Conveyances: 2}

Class	Cases	Deaths	Rcvrd
Diamond Princess	712	13	699
MS Zaandam	9	2	7
2 Total:	721	15	706

Hi, I'm trying to set up a 3-monitor set up.
My laptop + Acer monitor + Acer monitor.
Laptop: HP Pavilion Gaming laptop 15 - Intel(R) Core(TM) i5-9300H CPU @ 2.40GHz 2.40 GHz
Monitors are ACER and they're both the same.
The problem is that Laptop shows original screen, Second monitor shows original screen as well - but 3rd monitor shows Screen SAME as first monitor.
here is image after clicking "Identify" in the settings: https://imgur.com/a/4nxC86D
I have only ONE HDMI output in the laptop, but I use this small device cabel that splits it into two so yeah.
How could I fix this? I'm on the support chat with Microsoft and they reinstalled my graphic drivers but it didn't help. Any way to solve this please?

HMS Celtic

• Super Heal
• Improved AP
• Radar Cruiser

USS Rochester (CA-124)

• Smoke Cruiser
• Excellent AA Suite
• Strong AP

Scope

These ships were given to me by Wargaming for review.
Welcome back. Sure, it does seem rather apt to jump into the first published review in sometime with the addition of two new Baltimores…well, one Oregon-City Cruiser, and another Baltimore. With both ships being so closely related, it seems fitting to tag them both together here. Per the norm, there will be lots of pretty charts, and a comprehensive breakdown of both ships; with the added benefit of showing exactly where these two wrap up into the bigger picture.
All stats are current to the best of my knowledge as of v5.1. Stats are subject to change in the future, and this review may not reflect those changes.
Celtic is a GREAT ship, with a MODERATE Skill Floor and a HIGH Skill Ceiling.
Rochester is an AVERAGE ship, with a LOW Skill Floor and a MODERATE Skill Ceiling.
Quite obviously, this review is going to be mostly centered on Celtic, with some Rochester slapped in there to show exactly how she stacks up to the competition. 2 for 1, or a freebie, you decide.
Nothing could honestly make me happier than to be able to bring reviews and writing to you all full-time. If this interests you and you enjoy reading my work, please support me if you can, as every little bit helps. My goal is to keep my reviews free and public for all to read; and by supporting my Patreon you can help keep me at my desk.

Matrix Rating

• [BAD, WEAK, AVERAGE, GOOD, GREAT]
• {LOW, MODERATE, HIGH, EXTREME}

History

The design was first commissioned in the late 1930's, which adapted lessons learned from the preceding Wichita-Class and the currently under construction, lighter Cleveland Class. Baltimore's design featured an orthodox A-B-X configuration of 3 triple turrets of (8") 203mm guns. Fast and well-armed for the era, the fate of the project ended by cancelling later ships construction in favor of the Cleveland Class which were both faster, lighter, and quicker to build which meant more ships out at sea protecting US Navy Carriers. Baltimore Class Cruisers were built from 1941-1945 with some serving in various sub-classes until the 1970's.
With 14 completed ships of the class, the Baltimore-Class had the most constructed heavy cruisers built of any one class from nation during the war-time period. Generally considered a success, the class was preceded by the USS Wichita, and succeeded by the Oregon-City Class. With attached sub-classes, the Boston Class featuring the world's first Guided Missile Cruiser in the early 1950's USS Boston (CAG-1) and Flagship variations. The design was most notable for incorporation of surveillance radar, gun control fire systems which allowed for calculation beyond the horizon, 5'' Anti-Air, and 8'' Main Battery. This design was focused in on the ships ability to be a Carrier Fleet Escort Ship, capable of both Anti-Air Screening, Shore Bombardment, eventually being modified to serve as the world's first guided missile cruiser.
USS Baltimore (CA-68) herself was laid down in 1941, by Bethlehem Shipbuilding Corporation at the Fore River Shipyard in Quincy, Massachusetts. The ship was launched in 1942 and served until 1956 when she was decommissioned, and eventually scrapped in 1971. The ship served primarily in the Asiatic-Pacific Campaign, earning 9 battle stars.
HMS Celtic is a made-up ship that never actually existed but rests on the concept that would have been if the Baltimore Class had been sent to the Royal Navy. This was not an entirely foreign concept of the era either, with the two allied nations cooperating heavily with some ships being used by the other’s navy. It would be this cooperation that ultimately played a decisive role in every major theatre of World War 2.
USS Rochester (CA-124) was laid down in the same shipyard as her predecessor, in May 1944. She would be launched in August the following year, then commissioned into the US Navy in 1946. Succeeding the Baltimore Class, the Oregon City Class featured many similarities, with changes to her exhaust, superstructure and Anti-Air Suite. Rochester would serve throughout Korea and Vietnam, being decommissioned in the 1960s, and scrapped in the 1970s. 10 Oregon City Cruisers were planned, with only 4 completed.

Strengths: Celtic

• 9.9km Radar
• Royal Navy Super Heal
• Solid Anti-Air
• Sonar
• Improved AP Ricochet Angles

Weaknesses: Celtic

• Poor Fire Chance
• Short Duration Radar
• Lacks SHAP
• Low Base HP

Strengths: Rochester

• Smoke Generator
• Excellent AA Suite
• Improved AP Angles with SHAP

Weaknesses: Rochester

• Poor Smoke Fire Concealment
• Radar-Less
• Heal-less with Smoke Generator

The Basics

A Baltimore with a Super Heal and longer-range radar? Sign me up. Baltimore on her own is already one of the stronger ships in the game and in terms of utility, one of the stronger team players. Celtic takes an interesting concept and adds a new flair to an older line. She has her own strengths and weaknesses, all of which will be identified, some of which are likely to be seemingly splitting the finest of hairs. This ship has a bit less of a grudge against controlling caps than the traditional Baltimore but should be readily found in the same niche doing the same things, just slightly different. Radar support, anti-destroyer, area control are all tags that apply. Celtic is strong, strong enough to be thrown in with the likes of AL Baltimore, Mainz CE and Wichita CE.
Trashchester is tough. I’ll honestly do my best to not shred this ship into a bajillion pieces while pouring out the salt, but I’m only human. She was painful on release, and since she’s had work done, fitting for her review to be finally finished and published for you all to use as a dash of seasoning for dinner. On release, Rochester had a smoke fire concealment on par with her sister’s base concealment, meaning, her smoke was essentially pointless and served only to blind herself, and not her opponents. Lacking radar, Rochester presented as a clumsy self-blinding target unable to deal the things that engage her. What’s worse, Rochester trades her heal for her smoke, meaning, players are left purchasing a regular old Baltimore, with some fancy AA, or a deaf-mute without a heal. Yes. She was that painful; a concept that bumps in the worst of ways, both theoretically and in practice. While her concealment has been buffed, it’s still an awful kit as her smoke fire concealment is still too weak to present much of a force upon the caps. If we’re stuck to smoke firing spam, there are better ships than Rochester; even making good old Belfast 43 seem like a knight in shining armor.
Both of these ships do sport improved AP performance, in the shape of improved ricochet angles. We’ll tear this apart in the ballistic section, as per the norm. Baltimore’s ballistic performance has been studied quite extensively in the past, which has set up an excellent point of comparison.

Offense

• Celtic: GOOD
• Rochester: AVERAGE

Let’s start with the prodigal child and then work towards the bought rented mule. Celtic does well here, in terms of heavy cruisers (203mm) she sits nearer the top of the lists dropping more midfield when included with the rest of the pack. Apart from some of those silly DPM small caliber ships, Celtic packs a noteworthy punch. Rochester starts more midfield and holds her placing through the pack. For a 203mm cruiser, a 2s difference in reload is often enough to bump a ship up or down a rank, entirely. This translates to roughly 20k between the two, and about a full salvo difference.

	HE Alpha	HE DPM
AL Chapayev	2850	256 500
Cleveland	2300	254 769
Weimar	1700	244 800
Suzuya	2700	243 000
AL Montpelier	2300	220 800
Bayard	2200	221 200
Belfast 43	2450	207 529
Harbin	1900	207 273
Chapayev	2300	207 000
Mainz CE	1700	204 000
Kutuzov	2200	198 000
Mainz	1600	192 000
Ochakov	2200	182 069
Charles Martel	2800	151 200
Wichita CE	2800	151 200
Celtic	2700	145 800
Albemarle	3300	142 560
Wichita	2600	140 400
AL Baltimore	2800	137 454
Mogami	3300	132 000
Baltimore	2800	126 000
Rochester	2800	126 000
Atago	3300	123 750
Pyotr Bagration	2500	122 727
Azuma	5100	114 750
Hipper	2700	112 696
Riga	3050	106 625
Amalfi	3100	104 625
Prinz Eugen	2500	92 308
Sigfried	4400	60 923
Edinburgh	-	-
Perfect 10	-	-
Plymouth	-	-

In terms of alpha punch, Celtic and Rochester are somewhat similar separated by the performance of firing different shells off different reloads from the same gunnery.

	AP Alpha	AP DPM
Weimar	3750	540 000
Mainz	3900	468 000
Mainz CE	3900	468 000
Plymouth	3100	457 846
Cleveland	3300	365 538
Perfect 10	2800	358 400
Bayard	3300	316 800
AL Montpelier	3200	307 200
Chapayev	3400	306 000
Edinburgh	3100	297 600
Kutuzov	3300	297 000
Suzuya	3300	297 000
AL Chapayev	3100	279 000
Ochakov	3300	273 103
Harbin	2500	272 727
Charles Martel	4900	264 600
Belfast 43	3100	282 570
Hipper	6000	250 435
AL Baltimore	5000	245 454
Celtic	4500	243 000
Wichita CE	4200	226 800
Baltimore	5000	225 000
Rochester	5000	225 000
Pyotr Bagration	4550	223 364
Prinz Eugen	5900	217 846
Wichita	4000	216 000
Riga	5750	200 323
Azuma	8650	194 625
Albemarle	4500	194 400
Mogami	4700	188 000
Atago	4700	176 250
Amalfi	5100	172 125
Sigfried	11 600	160 615

Celtic has among the better AP DPM values for a 203mm armed cruiser, only being outclassed by ships with meatier AP. In terms of overall, Celtic sits more midfield. Her overall AP ballistic performance allows her to unlock more of this actual number than many of her counterparts.

	Range (Km)	Reload (s)
Weimar	15.3	5.0
Harbin	14.5	5.5
Ochakov	15.5	5.8
Mainz	15.8	6.0
Mainz CE	15.8	6.0
Plymouth	15.2	6.5
Cleveland	15.3	6.5
AL Montpelier	13.9	7.5
Perfect 10	15.2	7.5
Edinburgh	15.3	7.5
Bayard	15.8	7.5
Kutuzov	16.0	8.0
AL Chapayev	16.0	8.0
Chapayev	16.0	8.0
Belfast 43	15.3	8.5
Celtic	15.5	10.0
Suzuya	15.3	10.0
Charles Martel	15.8	10.0
Wichita	15.5	10.0
Wichita CE	15.5	10.0
Pytor Bagration	16.0	11.0
AL Baltimore	15.5	11.0
Hipper	15.8	11.5
Baltimore	15.5	12.0
Rochester	15.4	12.0
Albemarle	15.5	12.5
Prinz Eugen	15.8	13.0
Mogami	15.3	15.0
Riga	16.1	15.5
Amalfi	15.4	16.0
Atago	14.7	16.0
Azuma	15.8	24.0
Sigfried	16.2	26.0

Overall, there’s not all that much to crow about here. Rochester sits a bit lower on the charts than Celtic due to reload. Both have improved ballistics to offer compensation for a lack of torpedoes. The DPM numbers are at their worst, workable, and at best, functional, neither being awful nor spectacular. Celtic takes the edge due to better numbers overall.

Ballistics

• Rochester: GREAT
• Celtic: GREAT

The tell-all ballistic chart. Royal Navy Cruisers and US Navy Cruisers sport among the best AP performance in their respective classes and tiers. Celtic has among the best HE DPM numbers of the Baltimores, but takes a hit on her fire chance percentage. Rochester SHAP hits like a truck, along with her Baltimore cousins. Things get interesting here the more you study this chart, captains. Celtic has arguably better HE, but worse AP. Rochester has SHAP and excellent AP performance, but poor shell count. AL Baltimore once again takes the cake with the best “happy medium” of the bunch, sporting a decent shell count, SHAP with excellent penetration and a lower muzzle velocity introducing slightly higher arcs yielding much more forgiving angles on the receiving end…
What I can say definitively, is Baltimore SHAP has much greater penetration than the standard AP. Wichita leans on HE at range, and she has the numbers to back it up, Baltimore hardly ever shoots HE in practice which is backed up by her AP performance and penetration values. Captains, it would not be entirely erroneous in terms of gunnery to compare Stock Baltimore to Celtic and Wichita or Elite Baltimore to Rochester and AL Baltimore.

	Ricochet (o)	Fuse Time (s)	Sigma	Velocity (m/s)	Projectile
Albemarle	45/60	0.033	2.0	814	AP
AL Baltimore	60/67.5	0.033	1.8	762	SHAP
Balti-Stock	60/67.5	0.033	1.9	853	AP
Balti-Elite	60/67.5	0.033	1.9	782	SHAP
Celtic	60/67.5	0.033	2.0	853	AP
Rochester	60/67.5	0.033	2.0	762	SHAP
Wichita	60/67.5	0.033	1.8	853	AP
Wichita CE	60/75	0.01	2.0	853	AP

The major and palpable difference in performance here is between Celtic and the native Baltimores, is that Celtic lacks SHAP. This means Celtic’s AP shells weigh less, which translates to depleting velocity and thus penetration values faster than the Baltimores heavier shells. Fortunately, Baltimore has some of the best AP penetration in her class which means that Celtic can afford to lose some raw penetration value before she begins to suffer. Rochester wins the AP argument here, while Celtic takes the HE side. It’s almost literally splitting hairs, and Baltimore Mains will feel right at home in either ship.

	Fire Chance %	HE Pen (mm)	Shell Count	Velocity (m/s)	Projectile
Albemarle	17	33	43	814	HE
AL Baltimore	14	33	49	823	HE
Baltimore	14	33	45	823	HE
Celtic	10	33	54	823	HE
Rochester	14	33	45	823	HE
Wichita	14	33	54	823	HE
Wichita CE	14	33	54	823	HE

If you’re looking to start fires, grab Albemarle. However, this is about the only such category she takes. Celtic manages better with access to a shorter reload and better overall ballistic properties. Shell by shell, edge Rochester, overall, solidly in Celtic’s favor by a full 9 shells.

Torpedoes

• Torpedo-less

Neither of these ships sport torpedoes, so this section is predicably blank.

Defense

• Celtic: GREAT
• Rochester: AVERAGE

Let’s jump into the major category of defense. Celtic arguably may be one of the best, Rochester, rather mediocre. From the top.
Celtic has among the best effective health pools, just edging out Edinburgh with a chunky 66k. It’s worth pointing out Albemarle tops both with a mighty 78k, though most Albemarle tend to be much more passive alluding to a different playstyle entirely. Baltimore is considered “tanky” at 56k, and Celtic adds in a super-heal. I wouldn’t chance to say Albemarle is particularly tanky, but she can heal quite well. A Baltimore is tanky enough to access that 66k EHP and is a scary thought. Baltimore can take a punch, where Edinburgh relies on defense by trickery, clever armor schemes and angling, Albemarle by range and angle. It’s also quite worth mentioning that Celtic rests with 36,7k base HP, meaning on par with most Cruiser Lights. Captains, you will feel getting hit in Celtic. Kit with 9.9km radar, sonar, a super heal, decent armor, excellent AA and workable concealment…captains, this is a literal no-brainer. Celtic is a slightly different twist off some of the most competitive ships in the game.
Rochester is rather tanky like most of her preceding Baltimore cousins. She has the same armor scheme essentially, and similar HP/EHP values. While this would normally be good on its own, Rochester has an Achilles’ Heel. Rochester must choose between having smoke or having a heal, and outright lacks Radar. While she has defensive AA, this is mostly a living meme rather than consistently as effective in combat as Radar. As said before, in terms of smoke cruisers there are just better options some of which don’t involve sacrificing your heal, or even radar. This relegates Rochester to just being a rather average 203mm CA, with very slightly better AA and decent enough armor.
The ranking seems a bit harsh, but that’s generally the difference between the hunter (Celtic), and the hunted (Rochester). Rochester initially will feel getting hit less, due to a larger health pool however, the table quickly swings in favor of Celtic, which gets most of it back.
​

	Health	Effective Health
Azuma	52 500	78 960
Albemarle	43 800	78 840
Sigfried	55 000	70 400
Celtic	36 700	66 020
Edinburgh	36 400	65 520
Hipper	43 800	58 517
Plymouth	41 000	58 220
Prinz Eugen	45 000	57 600
AL Baltimore	42 400	56 646
Baltimore	42 400	56 646
Mainz	44 000	56 320
Riga	42 000	56 112
Rochester	41 900	55 978
Amalfi	42 800	54 784
Mainz CE	42 500	54 400
Kutuzov	40 700	54 364
Pytor Bagration	42 000	53 760
Atago	40 100	53 574
Mogami	39 100	52 238
Perfect 10	36 500	51 788
AL Chapayev	37 000	51 504
Chapayev	37 000	51 504
Belfast 43	38 400	51 302
Suzuya	38 000	50 786
Wichita	37 900	50 634
Wichita CE	37 900	50 634
Charles Martel	38 000	48 640
AL Montpelier	36 900	47 232
Cleveland	36 900	47 232
Ochakov	34 750	46 426
Weimar	32 000	42 752
Bayard	34 700	-
Harbin	26 500	33 892

Armor

• Celtic: GOOD
• Rochester: GOOD

This chart below sticks to the USN and RN CA/CLs for now... At some point, this chart will include overmatch and juicy other details for all the cruisers, but for now, it is simple enough to get the point across. Most Cruisers have their critical spaces directly abutting the hull, others don’t. Cruiser armor varies widely and is worth looking at because there are absolutely ships with specific advantages worth exploring and exploiting. For now, let’s keep it simple.
As summarized before, the Baltimore Class has relatively good armor, while it has its weaknesses, is generally functional enough to get by. They are neither needlessly weighed down by their armor, nor under-armored. It’s worth saying Rochester and Celtic have vaguely the same armor lay out and will handle 380mm Battleships.

	Extremity Plating (mm)	Belt Armor (mm)
Albemarle	25	152
AL Baltimore	27	152
AL Montpelier	25	127
Baltimore	27	152
Belfast 43	16	114
Celtic	27	152
Cleveland	25	127
Edinburgh	30	114
Perfect 10	16	114
Plymouth	16	114
Rochester	27	152
Wichita	27	152
Wichita CE	27	152

Anti-Air Suite

• Rochester: BEST
• Celtic: GREAT

Rochester takes the cake here, with better and larger AA guns she’s rather resistant to airborne pests. Celtic ties in with the close second, along with her sisters. The truly beautiful thing about either ship is that captains will not need to waste any energy into building this into making this sector a functional kit. Captains, you can save some defensive energy by focusing into Celtic’s Radar and by leaving Rochester in port. The magic number here is being north of that 350/s line, Azuma scrapes by with a bit of focus, where pretty much all the USN ships will laugh off aircraft. A major point of contention that is worth noting; Rochester is immune, Celtic is quite resistant to CVs, where Albemarle gets by here, and Edinburgh is rather hindered. I suspect this will be massively impactful for competitive players.

	Range (Km)	DPS
Rochester	5.0	370
AL Baltimore	5.0	365
Baltimore	5.0	365
Celtic	5.0	365
AL Montpelier	5.0	363
Cleveland	5.0	363
Mainz	5.0	357
Mainz CE	5.0	357
Sigfried	5.2	354
Azuma	5.0	342
Hipper	4.5	288
Pyotr Bagration	5.0	280
Prinz Eugen	4.5	279
Plymouth	5.0	276
Perfect 10	5.0	276
Albemarle	5.0	272
Kutuzov	5.0	264
Amalfi	4.0	225
Wichita	5.0	217
Wichita CE	5.0	217
Bayard	5.0	212
Belfast 43	5.0	207
Al Chapayev	5.0	207
Chapayev	5.0	207
Charles Martel	5.0	204
Ochakov	5.0	196
Riga	5.2	188
Weimar	4.5	181
Edinburgh	5.0	175
Harbin	5.2	170
Mogami	5.0	127
Atago	5.0	90
Suzuya	5.0	67

Rochester takes the cake here, because everyone deserves to be really good at something. However, with CVs it’s important to remember everything is relative.

Concealment

• Rochester: GOOD
• Celtic: GOOD

Technically these are the same values while stock, and their rating is the same. However, this is quite deceiving. Rochester is GOOD leaning on GREAT where Celtic is GOOD leaning on AVERAGE. The reason for this follows their available commanders, which Shelly Beapley offers a unique 4th row concealment skill unavailable to any other commander, or nation. The result of this, Rochester, like her cousins sits at a comfortable 9.3km, where Celtic sits at 9.9km. Rochester can do almost nothing with this concealment, as she lacks radar, and her smoke fire window is just a pale 1.7km below her surface concealment. However, that .6km is a palpable difference and can open huge strategic windows; particularly once south of that magic 10km line.
The obvious connotation here is that hiding a radar cruiser inside 10km is far scarier than hiding a smoke cruiser inside 9.5, provocatively when that same smoke cruiser can be spotted inside her smoke at 7.6km. Captains, this 7.6km is on par with her sisters, however, this is a very narrow margin even for a support cruiser. Smoke is infinitely easier to use than radar, however, infinitely less forgiving.

	Stock Concealment
Amalfi	11.4
Atago	11.7
Harbi	11.8
Belfast 43	11.9
Plymouth	12.0
Edinburgh	12.0
Albemarle	12.1
Mogami	12.3
Suzuya	12.3
Cleveland	12.5
AL Montpelier	12.5
Celtic	12.6
AL Baltimore	12.6
Baltimore	12.6
Rochester	12.6
Wichita	12.6
Azuma	12.7
Weimar	13.0
Sigfried	13.0
Perfect 10	13.2
Bayard	13.2
Pyotr Bagration	13.3
Charles Martel	13.4
Hipper	13.5
Prinz Eugen	13.6
Mainz	13.7
Mainz CE	13.7
Kutuzov	13.8
Ochakov	13.8
Riga	14.2
AL Chapayev	14.3
Chapayev	14.3

Maneuverability

• Celtic: GOOD
• Rochester: WEAK

Celtic sits almost smack dab of the upper midfield pack of heavy cruisers where Rochester sits more towards the end of the pack. Rochester feels clunky and handles like it, where Celtic feels more “native” to her respective class sharing the same stats. While this is rated good overall, its more average in the face of Lighter Cruisers, representing more of a bang-for-the-buck scenario.

	Rudder Shift (s)	Turn Radius (m)
Weimar	6.4	660
AL Montpelier	6.9	660
Harbin	7.2	660
Cleveland	6.0	680
Wichita	6.0	680
Wichita CE	6.0	680
Perfect 10	8.0	680
Edinburgh	8.6	680
Belfast 43	9.9	680
Plymouth	10.1	680
Amalfi	11.0	680
Charles Martel	8.9	690
Mainz	10.5	720
Mainz CE	10.5	720
Albemarle	10.7	720
AL Baltimore	7.0	730
Baltimore	7.0	730
Celtic	7.0	730
Bayard	9.3	730
Hipper	9.7	740
Suzuya	5.6	750
Mogami	6.4	750
Ochakov	7.4	750
Rochester	10.5	750
Kutuzov	6.5	760
Prinz Eugen	9.8	770
Atago	8.1	790
Sigfried	14.0	880
AL Chapayev	8.7	890
Chapayev	8.7	890
Pyotr Bagration	10.5	890
Azuma	12.3	920
Riga	11.5	920

Commanders

Celtic:
Celtic essentially has one commander that is head and shoulders ahead of the rest, while the rest kind of just work. HotRod offers the best fit here inarguably, along with Radar Edinburgh and Radar Minotaur. This sets Celtic up to be a near par build with the USN CA Queen Shelly Beapley. While her 4th row skill’s absence here is certainly felt and results in a 9.9km concealment, the build is largely similar and works well for any radar focused cruiser. While there are other builds out there, this is the gem of the lot and helps unlock that sacred mantra of utility that surrounds the Baltimore Class. Inspirations should focus on concealment, Mikawa and Swirski, to bring Celtic’s detection to pair with her Radar.
HotRod

• Cognizant: -10% Radar Cooldown Time
• Ingenious: -7% Incoming Splash Damage, +1.6o/s Gun Traverse
• Full Speed Ahead: +5% Speed, -10% Rudder Shift
• Prescience: -20% Air Detection, +10% Radar Duration
• Acoustic Chamber: -25% Sonar Cooldown, +5% Sonar Duration, +1 Sonar Charge
• Fully Packed: -5% Consumable Reload, +1 Consumable Charge

Rochester:
Nothing can be easy with Rochester, and naturally, building her was to the same effect. Essentially there are two trains of thought for this ship, build into dispersion or build into utility.
AL Montpelier seemed to mesh the best, which then turns Rochester into a little flamethrower capable of merging all her shells into a single pixel. However, this build is rather finicky to use and has a fair number of weaknesses. The build heavily relies on team spotting and is itself a second-line cruiser. Something like a 19-20% fire chance and a nasty dispersion circle. Rochester already has excellent gunnery performance as discussed; Montpelier really sharpens the sword. Pair with AL Scharnhorst and Scott to reduce dispersion and sigma, respectively, even further.
AL Montpelier

• Anti-Air Mode: +10% AA Range
• Burn it Down XXL: +2% Fire Chance
• Igniter: +3% Fire Chance
• All-Out Assault: +4% Sigma, +10% Incoming Fire Dispersion, +5% Incoming Damage
• Fixated: +5% Sigma, -5% Dispersion
• Fully Packed: -5% Consumable Reload, +1 Consumable Charge

It's a rare day when Shelly gets sat down in favor of another commander in the USN CA tree, but I kept falling into the same pitfalls using the same build for similar ships often being able to use radar. Shelly will help bring out Rochester’s utility, but she’s arguably not as well fit in on Rochester as AL Montpelier is. Pair Beapley with concealment inspirations from Mikawa and Swirski and enjoy a very beautiful 9.3km concealment. Rochester has SHAP and excellent penetration values, meaning she can readily ambush and critically strike ships quite larger than her, all without torpedoes.
Shelly Beapley

• Refractory: -8% Chance of catching fire
• Ingenious: -7% Incoming Splash Damage, +1.6o/s Gun Traverse
• Full Speed Ahead: +5% Speed, -10% Rudder Shift
• Velocious: +5% Speed
• Private Zone: -8% Detectability
• Fully Packed: -5% Consumable Reload, +1 Consumable Charge

Consumables

Ok, rather than spell out everything, everywhere, all at once; I’m going to keep it simple here.
Celtic:

1. Damage Control: Standard, unlimited uses. 60s cooldown.
2. Sonar: 3km Torp, 4.2km Ship detection. Lasts around 98s when kit with Hot Rod and reloads in 132.
3. Radar: 9.9km range and lasts about 28s when built.
4. Heal: 733/s over 20s. Yep, that’s over 14k HP. Reloads in less than a minute too.

Celtic has a near ideal consumable suite. There are some differences off the mainstream, such as slightly less sonar range or shorter radar duration. Glossing over the minor differences, the bigger picture reveals something better. Built, Celtic can regenerate a LOT of health.
Rochester:

1. Damage Control: Standard, unlimited. 60s cooldown.
2. Defensive AA: +200% average AA damage. This is memes, it's sort of like a bug zapper for planes.
3. Sonar: Standard 3.3km/4.4km detection over 96s. The average sonar found on everything.
4. Smoke/Heal: 30s duration, 104s dissipation time for the smoke. 251/s over 28s for the heal.

Rochester is rather standard in her access to her consumables, with the killer choice between smoke or a heal. I’ve gone back and forth, generally landing on the heal. Rochester is essentially a decent cruiser hampered by her rather average consumable suite.

Modifications

1. Aiming Systems Mod 1: -7% Dispersion
2. Steering Gears Mod 2: -20% Rudder Shift
3. Concealment Mod 1: -10% Detectability
4. Main Battery Mod 3: -15% Gun Reload

Ok, so the modifications section is super easy because both ships share the same builds. Aiming Systems mod 1 for the dispersion, player’s choice on slot 2 with either propulsion mod 2 or steering gears mod 2. Concealment Mod 1 for slot 3 and finishing off slot 4 by increasing DPM with main battery mod 3.

Upgrades

• Both Celtic and Rochester are premium ships without any researchable upgrades.

Research

• Neither of these ships are currently used in Research Projects. Look out though, one of those random reward or anniversary projects in the future might literally scream having one of these two tucked inside.

Summary

• Celtic: GREAT
• Rochester: AVERAGE

Celtic is a joy. Rochester is work.
I can see Celtic becoming a popular contestant in competitive play with the access to that 9.9km radar and her super heal. I rather lamented her HE performance, more due to her lower fire chance then her DPM or ballistic performance. While it would be nice to see her have ¼ pen HE, she doesn’t need it. I find her nicely balanced and well measured to take on Tier 7. She is just unique enough to warrant her own review, whilst similar enough to stay nearer the beaten path. While she may not comfortably and outright usurp Wichita CE and AL Baltimore from their spots, she’s worth mentioning with the group. That’s saying something.
Rochester, well, let’s just say that not everyone can be the best. This ship is tough but can be rewarding in a sense of overcoming the demands of a challenging ships. My issue with Rochester is 2-fold, her smoke and her heal. She ideally needs both to function in this current meta, and running the ship’s gimmick leaves her with abysmal EHP in a plummet from pretty good to 3rd worst overall, which only trumps Harbin and Bayard while being out-healed by Weimar. With a smoke-fire penalty in the mid 7’s km, smoke is hard to use effectively that is not relegated to back line, HE spam. As said before, if we’re really going to be stuck to this, there are ships which do this better. While I love the perspective of a USN CA without radar just to offer something more unique, a USN CA without Radar is like a cart without a horse. Hilariously enough, Rochester seems to avoid CV games like the actual plague, so I suppose that’s one strong point. Otherwise, and largely, captains are left with a rather average 203mm CA.

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• You can find all my reviews published to wowsbuilds.com courteously hosted by Father Mundy.
• Opinions reflected in the review are the writers' own, and do not necessarily reflect the opinions of the editor(s), collaborator(s), publisher(s), Wargaming, or World of Warships: Legends.
• Inspirational Credit to LittleWhiteMouse

Written By: Capt Thatch

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Lexus LC500
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Bentley Continental GT
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Ferrari Portofino
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Porsche 718 Cayman GTS
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Ford Focus RS
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Nissan Juke Nismo
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Jaguar F Type
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Aston Martin DBX
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JP Version Only

7.5 Anni/FF13 Strengthening Event

• Duration (1~3): 03/29 17:00 ~ 04/39 [JST]
• Duration (4~5): 04/01 00:00 ~ 05/07 [JST]
• Note: Currency also available from friend gifts.
• Official Announcement: Link

Related Content:

• Join us on Discord!
• Banner Megathread (04/01)
• MK Megathread (04/01)
• FF13 Visions World

Community

Tag me to have your video linked here! (max of 10 videos)

Overview:

• Event(s) to strengthen specific units.
• Mats from the strengthening stages are unit specific.
• Note: 4x Unit Specific Crowns can be exchanged for a regular one (4:1 Rate).

03/29~04/39:

• Cyan
• NV Dark Fina
• Hollow Keepers/Exchange Ticket

04/01~05/07:

• FF13 Weapon Quest
• Golden Rizer

1: [Cyan] Strong Enemy Battle (1~4)

• Name: ケフカ
• Tribe: Human
• Libra: Link
• Weakness: ??
• Attacks centered on magic attacks
• Inflicts Poison and Confusion

Missions/Rewards:

Clear 1x Cyan Master Crown No Items 5x King Burst Pots No Continues 1x NV Pearl No Deaths 50% Trust Moogle -------------------- Clear 1x Cyan Master Crown No Items 50% Trust Moogle No Deaths 100x Lapis "叛旗を翻す者たち" Only 1x VC Cactuar -------------------- Clear 1x Cyan Master Crown No Deaths 100x Lapis Within 5 Turns 100x Lapis "叛旗を翻す者たち" Only 50% Super Trust Moogle -------------------- Clear 1x Cyan Master Crown No Deaths Skill: サムライ カイエン Within 5 Turns 300x Lapis "叛旗を翻す者たち" Only 50% Super Trust Moogle 

2: [NV Dark Fina] Strong Enemy Battle (1~4)

• Name: 修羅たちの妄魂
• Tribe: Demon
• Libra: Link
• Weakness: ??
• Attacks mainly with dark attribute magic attacks
• Inflicts Petrify, Stop and Death
• Imperils Dark
• Undispellable MAG buff at below 50% HP

Missions/Rewards:

Clear 1x NV Dark Fina Master Crown No Items 5x King Burst Pots No Continues 1x NV Pearl No Deaths 50% Trust Moogle --------------- Clear 1x NV Dark Fina Master Crown No Items 50% Trust Moogle No Deaths 100x Lapis "絆" Only 1x VC Cactuar --------------- Clear 1x NV Dark Fina Master Crown No Deaths 100x Lapis Within 5 Turns 100x Lapis "絆" Only 50% Super Trust Moogle --------------- Clear 1x NV Dark Fina Master Crown No Deaths Skill: 魔人フィーナ -武神参詣- Within 5 Turns 300x Lapis "絆" Only 50% Super Trust Moogle 

3: [Hollow Keepers] Strong Enemy Battle (1~4)

• Name: 均衡の意思
• Tribe: Spirit
• Libra: Link
• Weakness: ??
• Attacks mainly with magic attacks.
• Will use debuffs
• Recommended to have Dispel

Missions/Rewards:

Clear 4x Master Crown Exchange Ticket No Items 5x King Burst Pots No Continues 1x NV Pearl No Deaths 50% Trust Moogle -------------------- Clear 12x Master Crown Exchange Ticket No Items 50% Trust Moogle No Deaths 100x Lapis "叛旗を翻す者たち" Only 1x VC Cactuar -------------------- Clear 20x Master Crown Exchange Ticket No Continues 100x Lapis No Deaths 100x Lapis "叛旗を翻す者たち" Only 50% Super Trust Moogle -------------------- Clear 40x Master Crown Exchange Ticket No Continues 100x Lapis No Deaths 200x Lapis "叛旗を翻す者たち" Only 50% Super Trust Moogle 

04/01 00:00 JST +

4: Equipment Quest (1~3)

• Name: 侵攻制圧騎ウシュムガル
• Tribe: Beast/Machine
• Libra: Link
• Weakness: ??
• Focuses on physical attacks.

Missions/Rewards:

Clear ホープのスカーフ [Accessory] No Items 3x 50 EN Pots No Continues 3x Gilsnapper Tower FF13 Units Only 10x STMR Tickets ------------------------- Clear [Recipe] ホープのスカーフ+1 No Items 5x 50 EN Pots No Continues 3x Gilsnapper Tower FF13 Units Only 15x STMR Tickets ------------------------- Clear [Recipe] ホープのスカーフ+2 No Items 50x Esper Stones No Continues 3x Gilsnapper Tower FF13 Units Only 300x Lapis 

Equipment:

ホープのスカーフ+2 [Accessory] +77 MAG, +30% MP/MAG NV Hope Only: +500 Static MAG 

5: [NV Golden Rizer] Strengthening Stages (1~8)

• Name: キングゴールデンボム
• Tribe: Demon
• Libra: Link
• Breaks: ??
• Weakness: ??
• Attacks with a mixture of physical and magical attacks
• Inflicts blind

Event Unit:

DEX	Name	Wiki	Rarity	C.F.	TMR	STMR
2356	NV Golden Rizer ゴールデンライザー	Wiki	NV	[AT/Gr1]	時代に愛された男 [Materia] +50% ATK, +50% P/M Demon & Human Killer	ライザーの冠 [Helm] +100 ATK, Golden Rizer Only: +1000 Static ATK

Missions/Rewards:

Clear 1x NV Golden Rizer No Items 4x Pots No Continues 3x Pots No Deaths 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 1x 25% Trust Moogle (NV Golden Rizer) No Items 4x Pots No Continues 3x Pots No Deaths 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 1x 25% Trust Moogle (NV Golden Rizer) No Items 4x Pots No Continues 3x Pots No Deaths 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 1x 25% Trust Moogle (NV Golden Rizer) No Items 4x Pots No Continues 4x Pots No Deaths 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 1x 25% Trust Moogle (NV Golden Rizer) No Items 4x Pots No Continues 4x Pots No Deaths 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 10x NV Golden Rizer Fragments No Items 8x Pots No Continues 7x Pots No Deaths 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 10x NV Golden Rizer Fragments No Continues 1x Cactuar Emperor (NV Golden Rizer) No Deaths 1x Cactuar Emperor (NV Golden Rizer) Within 5 Turns 1x Cactuar Emperor (NV Golden Rizer) --------------- Clear 10x NV Golden Rizer Fragments No Continues 10x NV Golden Rizer Fragments No Deaths 10x NV Golden Rizer Fragments Within 5 Turns 1x Cactuar Emperor (NV Golden Rizer) 

JP Version Only

FF13: Visions World

• Duration: 03/29 17:00 ~ 04/16 23:59 [JST]
• Official Announcement: Link

Related Content:

• Join us on Discord!
• Banner Megathread (04/01)
• MK Megathread (04/01)
• Unit Strengthening Thread

Event Videos

Tag me to have your video linked here! (max of 10 videos)

Overview

• Uses the Dark Visions system.
• Ranking Rewards (See Below)
• Defeat Bosses from different worlds (See Below)
• Obtain rare mats to upgrade equipment from boss drops

Bonus Units (Drops):

• Link

EX Bonus (Drops)

EX	Drops
EX+1	20%
EX+2	50%
EX+3	100%

Scoring System

You will be graded from B to SS based on 5 criteria:

Type	Max Points	Notes
ATK	30k	Damage Dealt in a single turn Max = Damage Cap (2.147~B) Scoring: 5000 + (DMG/85899)
WAC	10k	Weakness Attacks 1700 Points per Attack (6 = 10k) Dmg done to the target's vulnerable element.
DOWN	10k	Number of Deaths -2k Points each
DMG	10k	Damage Taken Max = No Damage Dmg Taken/Points scaling is unknown
CH.	10k	Max Chain 100 Points per Chain (100 = 10k)

Ranking Rewards

Rank	Dark Matter	Other
1	2000	50,000 Lapis* 10x Cactuar Emperor 2x 100% STMR Moogle 3x NV SP Tickets 10x SP Tickets 2x 励輝晶 (Esper Crystal)
2~10	2000	30,000 Lapis 10x Cactuar Emperor 2x 100% STMR Moogle 3x NV SP Tickets 10x SP Tickets 2x 励輝晶 (Esper Crystal)
11~50	2000	10,000 Lapis 10x Cactuar Emperor 2x 100% STMR Moogle 3x NV SP Tickets 8x SP Tickets 2x 励輝晶 (Esper Crystal)
51~100	2000	5,000 Lapis 10x Cactuar Emperor 2x 100% STMR Moogle 3x NV SP Tickets 8x SP Tickets 2x 励輝晶 (Esper Crystal)
101~300	2000	4,000 Lapis 10x Cactuar Emperor 2x 100% STMR Moogle 3x NV SP Tickets 8x SP Tickets 2x 励輝晶 (Esper Crystal)
301~500	2000	3,000 Lapis 5x Cactuar Emperor 2x 100% STMR Moogle 3x NV SP Tickets 5x SP Tickets 2x 励輝晶 (Esper Crystal)
501~1000	2000	2,000 Lapis 5x Cactuar Emperor 1x 100% STMR Moogle 3x NV SP Tickets 5x SP Tickets 2x 励輝晶 (Esper Crystal)
1001~2000	2000	5x Cactuar Emperor 1x 100% STMR Moogle 3x NV SP Tickets 5x SP Tickets 1x 励輝晶 (Esper Crystal)
2001~3000	1000	5x Cactuar Emperor 1x 100% STMR Moogle 3x NV SP Tickets 5x SP Tickets 1x 励輝晶 (Esper Crystal)
3001~4000	1000	1x 100% STMR Moogle 3x NV SP Tickets 5x SP Tickets
4001~5000	1000	3x NV SP Tickets 5x SP Tickets
5001~10000	1000	2x NV SP Tickets 5x SP Tickets
10001~15000	800	2x NV SP Tickets 3x SP Tickets
15001~20000	800	1x NV SP Ticket 3x SP Tickets
20001~30000	800	3x SP Tickets
30001~50000	500	1x SP Ticket
50001~100000	300	1x SP Ticket
100001+	100	1x SP Ticket

^* If the amount of players who are ranked 1st exceeds 100, 5M Lapis will be split evenly among them.
Also contains FF13 Emblem rewards.
Note: SP Tickets are month-limited, contains both NV and Fest units.

Individual Milestone Rewards

Points	Reward
25,000pt	ダークマター×50
50,000pt	トラストモーグリ
75,000pt	ダークマター×50
100,000pt	100ラピス
125,000pt	ダークマター×50
150,000pt	飛翔の珠
175,000pt	ダークマター×50
200,000pt	100ラピス
225,000pt	ダークマター×50
250,000pt	ALL輝源
275,000pt	ダークマター×50
300,000pt	天翔の珠
325,000pt	ダークマター×50
350,000pt	トラストモーグリ
375,000pt	ダークマター×50
400,000pt	100ラピス
450,000pt	トラストモーグリ
500,000pt	NV SP召喚チケット2023/4
550,000pt	ダークマター×100
600,000pt	200ラピス
650,000pt	ダークマター×100
700,000pt	200ラピス
800,000pt	ダークマター×100
900,000pt	300ラピス
1,000,000pt	励輝晶
1,100,000pt	メタルジャボテン見参！
1,200,000pt	1000ラピス
1,300,000pt	ダークマター×150
1,400,000pt	1000ラピス
1,500,000pt	ダークマター×150
1,600,000pt	2000ラピス

Event Equipment (Upgraded)

勇者のアミュレット(FFXIII) [Accessory] +84 ATK, +50% ATK, +50% P/M Machine Killer 導師のアミュレット(FFXIII) [Accessory] +78 MAG, +50% MAG, +50% P/M Machine Killer 魔神のタリスマン(FFXIII) [Accessory] +82 MAG, +50% EQ MAG w/ TDH/TDW 源氏の小手(FFXIII) [Accessory] +63 ATK/MAG, +50% LB Damage 闘志のタリスマン(FFXIII) [Accessory] +36 ATK/MAG, +57 DEF/SPR, +30% HP, <30% HP Guts パニッシャー(FFXIII) [Spear] +223 ATK, 5% MP/Turn, 4 LB/Turn, +100% Jump Damage 

Area Summary

Monster Skillsets: (Thanks togeo)

• Imgur album:
• Cubari link:
• Mog Tips: https://pastebin.com/raw/WWdCKgS7

Area	Wk	Ele	Name/Tribe
A1/2	[-]	---	重攻撃騎マナスヴィン [Machine]
B1/2	[-]	---	ゲパルト烈爪 [Beast]
C1/2	[-]	---	PSICOM特殊戦術士 [Human]
D1/2	[-]	---	ベヒーモス改 [Beast]
-----	-----	----------------
E	[-]	---	機甲兵クリーガー [Machine]
-----	-----	----------------
F	[-]	---	ガスト [Undead]
-----	-----	----------------
G	[-]	---	ファルシ＝アニマ [Machine]

Note: [P] is Phys / [M] is Magic.*

𝐁𝐫𝐚𝐧𝐝 𝐍𝐞𝐰 𝐆𝐮𝐢𝐥𝐝 Guilds get a revolutionary upgrade. New guild content is waiting for you to explore.
Create Guild: Spend 500 Gems to create guild Guild Level: Higher Guild Level grants more available member slots and [Guild Store] items Guild Store: Sells [Asc.], [Comic Book], and etc. Guild Building: Members can participate in the guild building process to upgrade guild Contribution Points: Use to redeem items in Guild Store Spend Gems to participate in guild building. Each member has 1 free attempt per day.
𝐏𝐥𝐚𝐲𝐞𝐫 𝐋𝐞𝐯𝐞𝐥 𝐀𝐝𝐣𝐮𝐬𝐭𝐦𝐞𝐧𝐭𝐬 Faster level-up process Adjusted EXP gained from upgrading heroes Adjusted EXP required for leveling up Max Player Level is now Level 10 Recalculate the Player Level according to the player's current hero development status, and the overflowing Player EXP will be retained
𝐂𝐨𝐦𝐢𝐜 𝐓𝐫𝐢𝐜𝐤𝐬 Unlocks at 1600 Trophies. Equip 1 for your deck. Charge Energy to the max and attack your opponent.
𝐈𝐧𝐭𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐨𝐧 (𝟓-𝐒𝐭𝐚𝐫): Skyrocket Passive How to Charge At the end of your turn, you gain +5 Energy Charges, but gain -1 less charge for each enemy you deal damage this turn. You gain at least +1 charges each turn Energy Max: 8 Trick Effect At the end of your turn, it launches towards the enemy with the lowest HP, dealing DMG equals to 60% of the target's missing HP
Brawler's Glove Active How to Charge You gain +2 Energy Charges after each launch. You gain +1 additional Energy Charge for every -10% less Launch Power you apply each time Energy Max: 10 Trick Effect When active, the Launch Power is capped at 300% this turn, but you do not gain any Energy Charge
Loud Horn Active How to Charge In your turn, every time your hero hits an enemy, you gain +1 Energy Charge. At the end of your turn, you gain +1 Energy Charge for each hero who has gained Extra ATK this turn Energy Max: 12 Trick Effect The active hero's 1st hit DMG on enemy +60% this turn
Da Bomb Passive How to Charge In your turn, every time your hero deals DMG to an enemy, you gain +1 Energy Charge Energy Max: 30 Trick Effect In your turn, you drop Da Bomb after all heroes stop. The explosion deals AoE DMG (15% of Max HP) to enemies, causing Knockback to affected heroes
Encore Active How to Charge In your turn, every time your hero hits an enemy, you gain +1 Energy Charge Energy Max: 12 Starts this turn with the available hero who acted most recently, and restores 20% of Max HP for both the replaced hero and the encored hero
Upgrade: Starting from 1-Star, you can upgrade a Trick up to 5-Star by consuming [Comic Book] (acquired from Guild Store)
𝐎𝐫𝐜 𝐁𝐮𝐧𝐝𝐥𝐞 Access: [Value] Details: 3-day super bonus (500% Value) for $4.99! DAY 1: Orc x1; Gems x200 DAY 2: Asc. I x1; Mythic Wild Card x1 DAY 3: Asc. II x1; Gems x300

Below is the official communicaiton of the PuP ! I record official devs saying we were missing some points, so here their actual communication :)
April Update - Build #79888 This build contains:

• Small Trees and Idle Villagers as in-game settings

Balance Changes: * Eagle Scout, Eagle Warrior, and Elite Eagle Warrior cost increased from 20 food and 50 gold ▶ 25 food and 50 gold * Long Swordsman upgrade research time decreased from 45 seconds ▶ 40 seconds * Two-Handed Swordsman upgrade research time decreased from 75 seconds ▶ 60 seconds * Champion upgrade research time decreased from 100 seconds ▶ 85 seconds * Pikeman upgrade research time decreased from 45 ▶ 35 seconds * Pikeman upgrade cost decreased from 215 food and 90 gold ▶ 160 food and 90 gold * Supplies research time decreased from 35 seconds ▶ 20 seconds * New technology: * Gambesons --- Militia-Line +1 Pierce Armor: * Follows Supplies * Cost 100 food and 100 gold * Available in the Castle Age * 25 seconds of research time * Gambesons Available -- (Note: Civs gaining gambesons are also called out in the civ specific balance changes)Aztecs, Bengalis, Bulgarians, Burmese, Byzantines, Celts, Dravidians, Franks, Japanese, Koreans, Malay, Persians, Portuguese, Saracens, Sicilians, Slavs, Spanish, Teutons, Vikings * Gambesons Disabled --Berbers, Bohemians, Britons, Burgundians, Chinese, Cumans, Ethiopians, Goths, Gurjaras, Hindustanis, Huns, Incas, Italians, Khmer, Lithuanians, Magyars, Malians, Mayans, Mongols, Poles, Tatars, Turks, Vietnamese

• Fishing Ship collision size reduced from 0.5 ▶ 0.4
• Trade Cog collision size reduced from 0.5 ▶ 0.3
• Elite Steppe Lancer pierce armor increased from 1 ▶ 2
• Heavy Scorpion upgrade cost decreased from 1000 food and 1100 wood ▶ 800 food and 900 wood
• Murder Holes research time decreased from 60 seconds ▶ 35 seconds
• Sappers upgrade cost changed from 400 food and 200 gold ▶ 400 food and 200 wood
• Sappers upgrade now also adds +3 bonus damage vs rams for villagers
• Developer Note: “In practice this means +3 damage against Armored/Siege Elephants and Trebuchets, +2 against Capped Rams and +1 against Siege Rams.”
• (Elite) Elephant Archer train time decreased from 34 seconds ▶ 30 seconds
• Elite Elephant Archer upgrade cost reduced from 1000 food and 800 gold ▶ 800 wood and 500 gold
• Siege Elephant upgrade cost increased from 650 food ▶ 850 food
• (Elite) Genitours affected by Recurve Bow, Tower Shields, and Byzantine skirmisher discount
• Cannon Galleon Adjustments:Developer Note: “These changes simplify the damage of Cannon Galleons by removing it's numerous bonus damages vs almost all units and increasing the base damage accordingly. Also fixed a bug where Cannon Galleons sometimes wouldn't damage the targeted unit. Added a little bit of splash damage to the projectile as a small buff against clumped units.”
• (Elite) Cannon Galleon damage increased from 35 (45) ▶ 50 (60)
• (Elite) Cannon Galleon bonus damage vs Infantry, Archer, Cavalry and Mamelukes decreased from 15 ▶ 0
• (Elite) Cannon Galleon bonus damage vs Siege decreased from 40 ▶ 25
• (Elite) Cannon Galleon accuracy increased from 50% ▶ 100%
• (Elite) Cannon Galleon blast radius increased from 0 ▶ 0.25 (0.3)
• (Elite) Cannon Galleon receives attack ground ability
• Fixed an issue where Cannon Galleons sometimes wouldn't damage the targeted unit.

Civilization Specific Changes
Aztecs * Receive Gambesons * 50 extra starting gold is received after completing the first Town Center
Bengalis * New Bonus - Melee Cavalry gain +2 bonus damage vs skirmishers * Mahayana effect now also applies to monks * Gain Supplies, Receive Gambesons
Berbers * Villager movement speed bonus adjusted to 5% in Dark Age and 10% in Feudal Age
Bohemians * Hussite Reforms research cost reduced from 800 food and 450 gold ▶ 500 food and 450 gold
Britons * Team Bonus decreased from 20% ▶ 10% faster working archery ranges * Fixed an issue where the Town Center cost discount was not reducing the cost of repairing.
Bulgarians * Receive Gambesons * Stone discount does not apply to starting Town Center
Burgundians * Flemish Militia cost decreased from 60 food and 25 gold ▶ 50 food and 15 gold * Flemish Militia production after researching Flemish Revolution moved from Town Center to Barracks * Flemish Militia HP decreased from 75 ▶ 60 * Flemish Militia damage decreased from 12 ▶ 11 * Flemish Militia pierce armor decreased from 1 ▶ 0 * Flemish Revolution cost changed from 1200 food and 650 gold ▶ 200 food +10 food per villager converted and 150 gold +5 gold per villager converted
Burmese * Elite Arambai upgrade cost adjusted from 1100 food and 675 gold ▶ 1000 food and 750 gold * Receive Gambesons
Byzantines * Greek Fire now additionally provides 5 splash damage to bombard towers * Receive Gambesons
Celts * Stronghold effect increased from 25% ▶ 33% attack speed to towers and castles * Stronghold now additionally heals allied infantry near castles by 30 HP per minute * Receive Gambesons
Chinese * Start changed from +3 villagers and -200 food ▶ +2 villagers and -150 food
Dravidians * New Bonus: Siege units cost -33% wood * Receive Gambesons
Ethiopians * Team bonus effect changed from towers and outposts +3 line of sight ▶ outposts +3 line of sight and stone cost removed * Royal Heirs effect changed from Shotel Warriors trained 100% faster to Shotels and Camel units receive -3 damage from Mounted Units * Elite Shotel Warrior train time decreased from 8 seconds ▶ 4 seconds
Franks * Receive Gambesons
Goths * New Bonus: Hunt lasts 20% longer
Gurjaras * Kshatriyas cost increased from 200 food and 400 gold ▶ 500 food and 450 gold * (Elite) Shrivamsha cost increased from 70f 20g → 70f 30g * (Elite) Shrivamsha reload time increased from1.75 → 2.0 (1.9)
Huns * Atheism cost decreased from 500 food and 500 gold ▶ 500 food and 300 wood
Incas * Andean sling now additionally provides +1 damage to slingers * Fixed an issue where Slingers incorrectly gained attack speed from thumb ring * New Bonus: Military units cost -15/20/25/30% food in Dark/Feudal/Castle/Imperial * List of affected units: Militia-line, Spearman-line, Eagle-line, Skirmisher-line, Slinger, Kamayuk, Genitour, Condottieri, Petards and Xolotl Warriors. * Lose access to supplies * (Elite) Kamayuk cost increased from 60 food and 30 gold ▶ 65 food and 30 gold * Slinger cost increased from 30 food and 40 gold ▶ 40 food and 40 gold * Bonus Removed: Start with a free Llama * Team Bonus effect changed from Spearman and Skirmisher +2 line of sight ▶ Start with a free Llama * Stone discount does not apply to starting Town Center
Japanese * Now have access to Hoardings * Kataparuto cost reduced from 750 wood and 400 gold ▶ 550 wood and 300 gold * Receive Gambesons
Khmer * (Elite) Ballista Elephant elephant armor changed from -2 ▶ 0, cavalry armor from -2 ▶ 0, siege armor from -2 ▶ 0Developer Note: “This fixes various bugs where Ballista Elephants would receive additonal damage even from units which had +0 attack vs siege or cavalry armor (all infantry units, chu ko nus, steppe lancers...)The addition of the Hussite Armor will cause them to receive more damage from siege such as Mangonels or Bombard Cannons.” * (Elite) Ballista Elephant gain Hussite wagon armor with a value of +20
Koreans * Elite Turtle ship range increased from 6 ▶ 7 * Receive Gambesons
Lithuanians * Bonus for starting with 150 food changed to each Town Center providing 100 food
Malay * New Bonus: Receive infantry armor upgrades for free * Receive Gambesons
Malians * (Elite) Gbeto HP increased from 35 (45) ▶ 40 (50) * The 30% longer lasting Gold Mines bonus changed to villagers drop off 15% more gold * Tigui additional arrows changed from 5 ▶ 8 * Wood discount does not apply to starting Town Center
Persians * Receive Gambesons * 50 extra starting food and wood are received after completing the first Town Center
Poles * Villager regeneration bonus now starts in Feudal Age
Portuguese * (Elite) Organ Gun damage 16 ▶ 7 (20 ▶ 9) * secondary damage changed from 2 flat to same as main projectile * (Elite) Organ Gun total projectiles 5 (5) ▶ 6 (7) * (Elite) Organ Gun accuracy 50% ▶ 0% * (Elite) Organ Gun attack dispersion 0.75 ▶ 0.25 * (Elite) Organ Gun Bonus vs Infantry 0 ▶ 1 * Elite Organ Gun Bonus vs Buildings 0 ▶ 1Developer Note: “The aim of this change is to more accurately realize the vision of this unit being effective against groups of units.Instead of one high damage projectile and additional mostly cosmetics bullets, the damage of the unit is spread equally across all its projectiles.” * Elite Caravel upgrade cost adjusted from 750 food and 475 gold ▶ 700 food and 525 gold * Receive Gambesons
Saracens * Zealotry cost reduced from 500 food and 450 gold ▶ 400 food and 400 gold * Receive Gambesons
Sicilians * Castles and Town centers built 100% faster changed to Castle build 50% and Town Centers build 100% faster * Donjon affected by Hoardings * Donjon can now train Spearman-line * Donjon now functions as a prerequisite for Archery Range and Stable * First Crusade effect reduced from 7 ▶ 5 Serjeants per Town Center * First Crusade cost adjusted from 300 food and 600 gold ▶ 400 food and 300 gold * Serjeant HP increased from 45 ▶ 50 in Feudal Age * Serjeant HP increased from 65 ▶ 75 in Castle Age * Serjeant Elite upgrade cost reduced from 1100 food and 800 gold ▶ 800 food and 675 gold * Serjeant build/repair 25% slower in Feudal Age * Receive Gambesons * 100 extra starting stone is received after completing the first Town Center
Slavs * Boyar cost adjusted from 50 food and 80 gold ▶ 60 food and 70 gold * Druzhina cost reduced from 1200 food and 500 gold ▶ 900 food and 500 gold * Receive Gambesons * Free Supplies bonus also includes Gambesons
Spanish * Inquisition also gives Missionaries +1 range * Conquistador -1 Pierce Armor (Elite Unchanged) * New Bonus: Gain 20 gold for each technology researched * Receive Gambesons * Build speed bonus does not apply to starting Town Center
Tatars * (Elite) Keshik train time increased from 16 (14) ▶ 17 (15)
Turks * Artillery cost increased from 450 wood 500 gold ▶ 600 food 650 gold
Teutons * Receive Gambesons
Vietnamese * Paper Money cost reduced from 600 wood and 350 gold ▶ 550 food and 200 wood
Vikings * Chieftains effect now also provides infantry with gold generation while attacking villagers, trade units, and monks. This is in addition to infantry gain bonus damage vs cavalry * 5g per villager, 20g for Monks and Trade units * Chieftains cost reduced from 700 food and 500 gold ▶ 600 food and 450 gold * Berserkergang replaced with Bogsveigar (650 food and 500 gold): Archer-line and Longboats +1 Attack * (Elite) Berserk healing increased from 20 hp per minute ▶ 40 HP per minute * Elite Longboats Bonus vs Ships 11 ▶ 10, vs buildings 8 ▶ 7 * Receive Gambesons
source : steam link