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Unlock $500,000:
At the top layer of maps press Shift + F4.
Unlock $1,000,000:
When you Start a new game build a transcontinental railroad and you will receive a $1,000,000 Dollar bonus if you are the first railroad company to have stations on both coasts. This can only be enabled once per game.
Unlock $3,000,000:
Press Shift + F1 + 4.