Reputation
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All avatars have a reputation score that shows how "nice" they are. Some NPCs will act differently depending on the reputation of an avatar.
Reputation is also a big factor when making loans at a bank.
Change
As an avatar goes through its life, its reputation score will change depending on what the avatar does.
Increase
Reputation is increased when founding new cities and... ?
Decrease
Reputation drastically goes down when attacking friendly targets and... ?
Effect
Positive
A high reputation score will increase the credit limit when making a loan.
Negative
If an avatar has a negative reputation score, it will not be able to make a loan, and crew will refuse to be hired.