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Selling raw ore/coal vs selling refined products

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I've got a very small city that I'm trying to keep small, high tech, low pollution.  I built a coal mine and ore mine just for cash purposes -- I don't have plans to develop any dirty industry.


Am I losing a ton of money by selling the raw materials instead of refining them and then selling the refined products?  Does refining the products greatly increase the pollution impact?

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Yes, you're losing a ton of money.  For example:

coal goes for ~4500 per 10 tons

ore ~6000 per 10 tons


But you turn them into alloy and suddenly they're worth over 48,000 per 10 tons.  That's 10x what you'd get for the coal by itself. 


I only sell enough raw materials at the beginning to pay for a maxed out smelting factory. Even though they do put out quite a bit of pollution it's definitely worth it.

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