New Game Settings

So im just wondering what settings you lots use for starting up a new game, i want it as close to RLife as possible
so im thinking of going
Challenge Mode:
Default Start:
Full Financial:
Current Lottery:
Use Trade Restrictions:
Allow Foreign Draft Entry:
---
Dynamic Ratings ? what does this do, ive not noticed or im blind XD
anything else i should do or you recommend
ty in advance

so im thinking of going
Challenge Mode:
Default Start:
Full Financial:
Current Lottery:
Use Trade Restrictions:
Allow Foreign Draft Entry:
---
Dynamic Ratings ? what does this do, ive not noticed or im blind XD
anything else i should do or you recommend
