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Whenever a spell would cost experience, it uses that amount of the XP Buffer instead. Whenever item creation would cost experience, it uses 5 times that amount of the XP Buffer instead. This buffer applies a series of penalties which become increasingly more devastating as one's XP Buffer increases. However, when a character who has used part of their XP Buffer gains experience they also recover an equal amount of their XP Buffer, to a minimum of 0.

For example, by casting Wish the caster uses 5,000 of the XP Buffer. When the caster gains 2,600 experience from the party's next quest she moves to only 2,400 on the XP Buffer. Then on the party's next rather large quest when she gains 3,000 experience, her XP Buffer moves to 0.

This buffer follows the pattern described in the table below endlessly. The penalties described below cannot be recovered by any other means except by gaining experience.

{|border=1px
!XP Tier !!Mental Stats<br>Penalty !!Physical Stats<br>Penalty !!Saves<br>Penalty !!Negative<br>Levels
|-
|'''1-500''' || 1 || 0 || 0 || 0
|-
|'''501-1000''' || 1 || 1 || 0 || 0
|-
|'''1001-1500''' || 1 || 1 || 1 || 0
|-
|'''1501-2000''' || 1 || 1 || 0 || 1
|-
|'''2001-2500''' || 2 || 1 || 0 || 1
|-
|'''2501-3000''' || 2 || 2 || 0 || 1
|-
|'''3001-3500''' || 2 || 2 || 1 || 1
|-
|'''3501-4000''' || 2 || 2 || 0 || 2
|-
|'''4001-4500''' || 3 || 2 || 0 || 2
|-
|'''4501-5000''' || 3 || 3 || 0 || 2
|-
|'''5001-5500''' || 3 || 3 || 1 || 2
|-
|'''5501-6000''' || 3 || 3 || 0 || 3
|-
|'''6001-6500''' || 4 || 3 || 0 || 3
|-
|'''6501-7000''' || 4 || 4 || 0 || 3
|-
|'''7001-7500''' || 4 || 4 || 1 || 3
|-
|'''7501-8000''' || 4 || 4 || 0 || 4
|-
|'''8001-8500''' || 5 || 4 || 0 || 4
|-
|'''8501-9000''' || 5 || 5 || 0 || 4
|-
|'''9001-9500''' || 5 || 5 || 1 || 4
|-
|'''9501-10000''' || 5 || 5 || 0 || 5
|}