Just quickly, with regards to gold for guilds & kingdoms… we plan to address this from the Guild side rather than the kingdom side. We had a guild update planned - and still DO have one planned - unfortunately it got pushed back to 2016 while we focused on the current changes.
The Guild change should hopefully be a COMPLETE overhaul of many of the Guild Systems, with lots of new cool toys to play with, but we’ll have more on that next year!