How the Land Act of 1820 made changes to the rules about western settlement is that, it decreased the per acre price but ended in purchases in credit. This act has been enacted on the year 1820 by the United States federal law wherein the lowered payments are paid in an installment basis.
The Land Act of 1820 established the ban on purchasing any of the United States' public domains in an installment or credit form of payment over four years. It actually just lowered the prices per acre but ended the credit or installment purchases.
With his new focus on being a dad, Colby will spend less time working overtime and working less in general. This also means that his income will decrease, as less work means less money.
Western and europeans in general fought each other a lot resulting in superior fighting tactics. Other places did not do this, giving europe a huge edge against everybody.