Before dying out in the mid-21st century, the great coral reefs of Earth were a priceless treasure. Not just a haven for incredible biodiversity, a new reef would doubtless be a strong draw for local tourism.
Coral reefs have the ability to raise the biomass of the body they are on. Because tourists come and stay whilst paying to see the Coral Reef, it also increases population and credits. Levels beyond V are only reached through events. In addition the modifiers add population and bring in revenue, as well as increasing biomass, all of which have no upper limit. This means that once your planet can sustain plantlife and soon (after biomass has increased) animal/human life, make sure that all factors (heat, pressure e.t.c) are not increasing or decreasing and just build multiple coral reefs, allowing for an easy end of terraforming!
Beginner Mode differs in time needed compared to Normal Mode. The Culture modifiers accounts to the total Biomass, Population, Credits, Research Time and/or Construction Time gained/lost for the buildings/research.
*In expert mode there is no credits.