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But what about those atrocious mortgage rates?

Probably no loss of age category?

White dragon age depends on hit dice. Always adjust abilities accordingly.

Warlock with the See the Unseen and Crawling Eye invocations.

How about a kelpie?

My weapon... IS CHOLESTEROL!

"Here's the deal: I let you off if you promise to do a little favor for me. You just toddle on back to your meaningless little life, and when I need you, I'll just call."

Whip out an oiuja board.

I don't know how many catgirls died from that sentence.

If I had my druthers, I'd use legos.

What does a half elf and a human produce?

in Unearthed Arcana, I believe there are spell-touched traits, which you can take if you have been hit by magic repeatedly. Something like that would make sense for a pregnant woman who gets hit by fireballs a lot.

I have failed character optimization. I have failed minmaxing.

Hubris. Lots of it.

You should just change the feats to "traits" with a point cost and have the player buy them at startup, or later as they earn points. The mechanism of this may be that you get points based off of.... Con? to start off with, then earn them later though in character actions.

Multiple grammar, spelling, and punctuation errors. You should get someone to review it. You have put effort into the feats. It's a pity that no one will be taking them, unless there is a sex focused campaign. (Perish the thought.)

I can't say that there's a good answer to this. For me, it depends on the sessions: a session packed with combat and exploring is going to contribute much more to leveling up than one spent building political alliances, crafting weapons, and managing settlements.

Law Devotion grants one use, with additional uses fueled by turn atempts. It's fairly expensive, though, so it's probably limited to two extra for characters who dont take Extra Turning or have Nightsticks. I personally dont consider the bonus large enough to be problematic, or the fact that...

This leads to the question of what to balance towards Many people seem to consider that Barbarians, Bards, Rangers, Rogues, Favored Souls, Spirit Shamans, Warlocks, Warmages, Beguilers, and Binders are the general sorts of classes to balance around, since they do what they say on the tin...

Yes, allowing non-core material on a case-by-case basis is a very good option, especially when you have the option of consulting other players and GMs.