I'm lovin' Steemmonsters and play nearly every day. I was surprised to see TWO rules when I achieved gold level. As if ONE rule was not enough for me to comprehend in less than two minutes.

You are correct. The global stock and bond markets do not matter. When I check SM markets, I'm always happily surprised.

I want to either join a guild or create a guild. I nearly have the DEC to create, but I do not know where to find the procedures other than the 'Create" button. What happens after creating?

I join you in congratulating the developers.