I am loving the changes!!!
Transforming buildings over time, progression. I always felt like combining was too instant. I always thought anything with a construction card should take a few days to construct but I am completely fine with the 3 month turn around for these cards. Perhaps different cards can have different construction times depending on difficulty?

I am also okay with popularity effect being decreased slightly. The direction of this update kinda feels reflective of that based on the card stats.

Perhaps consider a use for failed business in the future. maybe a second gamble to either burn the card or turn it into a successful business. the third choice being to just leave it alone and have a city full of failed businesses and dead people..