I found the problem... it was the "Opera House Bug"... the opera house is an educational building that only supports 100k-150k people, and funding cannot be increased. Therefore when the population increases beyond this ammount, the "grade" of the Opera House goes down, 4-stars,3-stars,2-stars, and eventually 1-star. This adversely effects the entire city. There is a fix, but i deleted the file. email me at fgelderl@mail.usf.edu and ill help you find it, if needed.