[Bug/Gameplay] Recruitment costs for multi-NPC parties

When recruiting an NPC who already has followers of his own (Goffrey, I'm looking at you), the recruitment cost given in the dialog is substantially lower than the price actually deducted. Possibly the dialog is giving the cost for the leader only, but then you're charged (properly) for the whole band?

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This charge will also drop you to negative gildars.  It seems the necessary funds check looks in the same place that the advertised recruitment cost comes from.

The same thing works for building cities (after your first).  The tooltip reads zero (0) gildars to build the city, the actual cost is (#-1)*100, and the necessary funds check lets you build it, potentially dropping you into the negative.