AI's ship buy cost?

I wanted to slow down the colony rush at the begining, so I edited the Colony Module to be 500 cost instead of 50 (playing TA). Enabled cheats so I could look at the whole map to see how fast the AI would produce colony ships. It didn't seem to make any difference. So I set the cost to 5,000. No difference there either. So I then set the price to 500,000. I figured there's no way the AI could make that much BC in a few turns at the begining. There was still no difference in how fast the AI produced ships.

With the cost set at 500,000 for a Colony Module, the costs came out to:
Raw build cost for default Colony Ship: 500,091 BC
Raw build cost for Cargo hull with just Colony Module: 500,055 BC (AI redesigns ships to be this one)

Purchase Price for C-hull/C-Module ship: 11,144,172 BC
2nd price: 7,429,448 BC + 371,473 BC for 6,668 weeks
3rd price: 3,714,774 BC + 4,090 for 5,791 weeks
4th price: 1,857,412 BC + 2,805 BC for 155,430 weeks

I checked on one of the AIs with 6 colonies (ctrl+shift+z) and saw that it had a positive bank balance, positive income, 2-3 factories on each colony and some factories /markets on the capital. Setting the AI's tax to 100%, prodction and espionage to 0%, I get 208 BC a week income. So with the price set that high, how can the AI produce 5 colony ships within the first 10 turns?

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Played around with it some more. Appears the AIs can only go so far in debt. I can buy the ship and make them go however much in debt, switch to a different race and hit 'Turn', then switch back to the previous race and check if they have a positive back account again. The highest amount I could get the AI to go in debt and keep it for a few turns was about -4999.

Test:
-7951 reset
-6500 reset
-5503 reset
-5278 reset
-5011 reset
-4999 did not reset

My guess is the debt reset limit is 5000, so this means the AI can buy anything costing about 5001 or more, as long as it has 1 BC in it's bank account, and the next turn as long is the debt is still more than -5000 then all debt incurred is canceled.