I have an idea for an overhaul of the fief culture / loyalty system. As it stands, culture is permanent (from what I can tell). I understand that they probably do this so each city doesn't have to have a culture skin for each culture. I don't have a problem with that. But what about splitting the notable cultures from "town" culture. Each time a new notable rises it would take on the culture of the ruling lord. This would allow "mixed" recruitment towns. With that, you could change the loyalty penalty to make it proportionate to the notable mix. For example 6 notables, 2 same culture, 4 different would result in a 2/3 modifier on the loyalty penalty (so -2 instead of -3).