Also, i'd like to suggest some kind of ranking stats (win/lose for instance) to show in MP to somewhat justify people picking a lower difficulty ..

I don't mind losing all the time (which i do) but perhaps there could be some kind of system in multiplayer that balances players so less experienced/bad players have some kind of handicap tied to them when playing against experienced/good players or the other way around, i hope you know what i mean by this. Just a thought here..

Oh, I missed that thread, sorry about the double.

Can someone explain how to detect this?

I have a hunch that I'm getting destroyed in MP games because I'm a noob but...would also be nice to see if someone is cheating as well!

When you mouse over their stock price, you should see a multiplier for their debt. (I think it is 5X for Manager.) if it is different from everyone else's then they have changed their difficulty level.

a solution for this is on our roadmap.

As a new player, I am going to get crushed by many of the more experienced/better players. I nearly didn't purchase the game for that reason. But...there appears to be sufficient single player/campaign game content for me to get decent enough to not embarrass myself when I decide to go to the lobby.

In a different thread, a rating/ranking system was suggested. I like it...and if this rating/ranking system was coupled with a handicap system, I would like it even more! A noob like me could get a benefit, perhaps an additional claim, or a better cooldown, or any number of things. 

This would be self-correcting, for online play. A noob that wins, by sandbagging would then be seen as a player good enough to not gain (or need) an advantage.