Bad judgment
If you want to get a world class team but the top players won't come to your team you can do this to get them:
Go to the lineup screen
Select a reserve player (grey)
Go to compare players
Choose another player
Now select to swap and hey presto the team will agree to trade and sometimes you can get them to pay.
We have more cheats and tips for this game here, Total Club Manager 2004 cheats
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