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Well, it's been a while since this game came out and many other and better games have been released since, but I just beat it and thought it was great, but I agree, there's only so many times you can go sell cocaine.
The conversations make the negotiation bar go slower. Like at the bank and when you're doing drug deals you have that round meter that goes fast, then you gotta hit the button at the right time and hope you timed it right. With high conversations level, your bar will slow down, making it easier to land in the right area.