Size 20 cities do not remain without a bank indefinetly in real life - why should they in civ? Instead of building city improvements, they should automatically come to exist based on terrain, social engineering, and an expanded tax rate control panel. Cities should be limited to building units and wonders, thus reducing micromanagement and providing a smoother journey through the ages. 
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St. Leo
http://ziggurat.sidgames.com/
http://www.sidgames.com/forums/

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St. Leo
http://ziggurat.sidgames.com/
http://www.sidgames.com/forums/
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