Let me give you an example (I referenced age as joke for the most part. But considering students at age 18 are in their third year, Marston being a first year meant he started at a -2 lvl (because of his "template" - Another joke, he is not more powerful in anyway, it was just for the DnD reference your husband dropped).<br/><br/><br/>A common set up for our DnD games.<br/><br/>5 lvls<br/>Stat buy in<br/>1,000 gp + Class starting gp<br/><br/>In this case, people could have a lvl 5 bard, barb, rogue, etc.<br/><br/>BUT if you wanted a awesome template.<br/>Example<br/><br/><div class="spoiler_container"><div class="spoiler_header" onclick="hideSecond (this);" role="button">Half-Air Elemental</div><div class="spoiler_body"> <br/><strong>Description-</strong><br/>(sentient creature who has an <br/>Air Elemental /<br/> <br/>Look normal except <br/>for little things, such <br/>as their hair always <br/>rustling in the wind <br/>(even indoors). <br/>Inherited Template <br/>that can be added to <br/>any corporeal <br/>creature with an Int <br/>of 4+. <br/><br/>----<br/><strong>Bonuses </strong><br/><br/>Becomes an ‘Outsider (air)’ <br/>Natural Armor +1 <br/>Dex +2 <br/>Int +2 <br/>Wis +2 <br/>Con +2 <br/>Cha +2 <br/>Level Adj +3<br/><br/><strong>Other Effects </strong><br/>Immune to Disease, Air, &amp; Cold Effects. <br/>If Int or Wis is 8+, can use the following abilities once per day. <br/>HD Ability HD Ability <br/>1-2 Obscuring Mist 11-12 Chain Lightning <br/>3-4 Wind Wall 13-14 Control Weather <br/>5-6 Gaseous Form 15-16 Whirlwind <br/>7-8 Wind Walk 17-18 Elemental Swarm <br/>9-10 Control Winds 19+ Plane Shif<br/><br/><br/></div></div><br/>I would adopt this template- get all its bonuses (and drawbacks) but only start at lvl 2.<br/>(also GM would sometimes decide if we lvl up slower...MUCH slower then the rest of the group)<br/><br/>And here is a template list, if you want to see some of the awesome stuff out there.<br/>http://dnd.freeminded.org/tables/DnD3.5Index-Templates.pdf<br/>