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It's just called a loan. You never have to pay it back :)

The training intensity only defines how hard your player will work in training (the stretching, cardio exercises etc.)

It does not affect how he plays in a match.

I think that's a good idea - I'm not sure if it's worth a whole extra skill point, though. Maybe just a little extra experience. I think goalkeepers need to have their own specific stats though -...