Hi, I have the same issue. Here is a screenshot of after and before. I will submit 2 save files as well. I am aware this is because of the Negative Transfer Model policy, but when I try to negotiate to remove it, they will NOT budge, have been trying for seasons. It just makes no sense, I quite literally have one of the highest balances if not the highest in world football, and it is really stable, why would they not let me remove it. This has to be a bug?