Board Thread:Questions and Answers/@comment-26942307-20151031145053/@comment-15636815-20151031175522

Cargo is fairly simple.
 * 1) Each wagon carries a base amount of 255 (wood, nails, whatever).
 * 2) Add wagon bonus. Round.
 * 3) Add set bonus. Round.
 * 4) Add locomotive bonus. Round.
 * 5) Add Terminal bonus (if applicable). Round.
 * 6) Repeat steps 1-5 for each wagon . If the train contains two or more identical wagons, you may multiply by the number of wagons instead of adding the wagons one by one. Always multiply by the number of wagons LAST. Otherwise, rounding errors will make the result highly inaccurate.

Gold is a little more complicated, and I need to verify the steps before I post them. I'll be back later with those.