Settlers scale with empty homes: fast catch-up, slowing near full

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

README.md

@@ -35,8 +35,8 @@ Alpha. One season, bandit raids plus two friendly events, six buildings.
   Construction also saws planks, which higher building levels need, and
   builds fittings from them: one-off upgrades a building takes once it's high
   enough (shelving, a well pump, weapon racks, enchanted chests…). Population eats food,
-  pays taxes, and fills the houses (empty homes draw settlers, about a
-  quarter of all homes a day, plus slow family growth); it promotes the settlement
+  pays taxes, and fills the houses (empty homes draw settlers, half of
+  them a day, so it slows as the houses fill, plus slow family growth); it promotes the settlement
   (hamlet, village at 40, town at 90, city at 150), which raises building
   level caps and gives everyone bank slots.
 - **Prayer:** enemies drop bones; burying them gives prayer points and