Excess design points

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I would be happy with something like 5:1, cap at 39 points. 1:1 or 2:1 is so insignificant as to be almost a mockery - even at the very start of the game, it would be hard even to notice an extra 20 gold or so. But an extra 100 gold would mean an extra cheap mage or half a temple, much less of an effect than spending the points on better dominion or scale, but enough that the player could say, "at least it wasn't wasted."