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"Speculative trading practices let you establish two more Banks, but this emphasis on civilian control means your soldiers are less efficient and march more slowly."
In-game description

Coffee Trade is a technology in Age of Empires III that is unique to the Dutch and can be researched at the Church once the Religious Freedom Home City Card has been sent. Once researched, it increases the build limit of Banks by 2 but reduces the movement speed of all military units by 10%.

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