As I said in another thread, this ranks as among the worst things Monte ever wrote and Malhavoc ever published (this coming from a Monte fan). I have seen more innovative house rules posted on these forums that also displayed far more design work and a higher quality of thought. I wouldn't mind paying for house rules, heck every supplement is the equivalent of someone's house rules, but I expect something I couldn't throw together rather quickly myself. Furthermore, as a 3.75 (it doesn't matter if this was Monte's intention, people have labeled it as such) it fails in literally every respect by not even addressing minor problems well.