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Experience is spent in the following ways

Trait XP Cost Training time
essence <3 current rating x 8 immediate
essence 4+ current rating x 8 rating in months
attributes current rating x 4 current rating in months
ability current rating x 2 current rating in weeks
favored ability (current rating x 2)-1 immediate
virtue current rating x 3 immediate
Specialty 3 3 weeks
New ability 3 3 weeks
favored charm 8xp (min ability) days
other charm 10xp (min ability + min essence) days

Backgrounds can only be gained via quests.

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