Thanks for the updated scenario.

After I have now re-installed RRT3 this was of course first scenario I tried.
First the bad news. I have had similar Copenhagen problem. Computer tried re-connect to there time after time. When this happen same time while raining, it was too much for my computer. The game froze and waiting didn’t help. It was a fatal crash. I could hear my computer start whining when CPU was trying to find more processing power. It happen to me several times. The solution was to go to the editor and bulldoze Copenhagen station. This solved crashing, however the computer player hasn’t tried to connect to Copenhagen. (Same time I cheated and dropped battle of gauge to 25. Yes I know 45 connections is possible, but it doesn’t suit my playing style)
Otherwise I have liked it much. The games I enjoy most are usually pioneering type of games, when you start from clean slate and build your empire. I started between Liverpool and Manchester and quickly connected to Birmingham and London. First I couldn’t figure how to connect to City of London, but I guess you made it prohibited area on purpose. (Just like real London.)
Everything was going fine and with connection to Bristol and Sheffield, I was planning on how to get to Edinburgh. Then came the Dock Improvements and perhaps foolishly I said yes and decided to pay in 10 years instalments. This together with taxes made my company going red and it was bleeding like wounded animal. Final straw was when stock went downhill and all shortbuying I did crashed. Now I am penniless, stockholders hate me and the company is on verge of bankruptcy. But hey, who says RRT3 should be easy. I have about 15 years time to figure out a way of this mess.
(On the other hand, I have heard that they plan to build a transcontinental railway in America. May be it is time to rob the petty cash and leg it across the waters.

)
I don not have strong opinion about shipping companies. It is odd to see trains over the water. Liverpool ferry brings me all the cotton I ever need, but it also steals my clothes and goods, so Liverpool harbour doesn’t upgrade. I also invested in cotton industry early on. Even though limited production it still bring good income during difficult early years. (I got bargain on Mancunian factory which I couldn’t resist.)