"Niko produces pearls that you can click on for a hefty sum of money."
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What it does
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Niko opens up after 34 seconds and every 40 seconds after that to reveal a pearl, which can be clicked on (not collected by pets!) for $250 or, in Virtual Tank, 10 shells. Niko does not move.
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Strategy
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Niko produces an average of $6.25/sec. This is less than Shrapnel's $8.33/sec, but does not bear the risk of killing fish instead.