in the file "Data\Pak01.Pak/menu/NewGameSettings.Menu", change this line from :
NumberCfg /WT_Intern/StartRank 1000 300 100 30
NumberCfg /WT_Intern/StartRank 1000 300 100 30 4
And you'll be able to choose to start a new career around the rank 4 (it's not always 4, though).
no, but it's a good idea, I'll try to add this possibility in the future.
== Mana Games ==
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