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Message: <blockquote data-quote="Frostmarrow" data-source="post: 181182" data-attributes="member: 1122">In lieu of losing a level the character receives an xp-debt. The xp-debt is represented by a 50% xp-penalty that lasts until the character levels up the next time.Example:A 9th level character dies but is raised or resurrected. He has 36,000 xp. From now on until he reaches 10th level (and 45,000xp) he has a 50% xp-penalty. That means that if the character receives 5,000 xp from a particulary nasty encounter he can only use 2,500 of those. The rest goes to paying his xp-debt.If a character with an xp-debt dies the xp-penaly lasts for another level.Example:The 9th level character from the example above dies for a second time and is brought back. Now his 50% xp-penalty will last until he levels up to 11th level (55,000 xp).The differences from the normal rules are as follows:* You don't have to erase and recalculate your character. You don't lose spells or hitpoints.* The character that is about to level up is not punished as severly as the character that just levelled. (The opposite is true from the normal rules.)</blockquote>