@Arcanist: You still need to dump the familiar stuff in the last column. You should have one more skill point that hasn't been allocated (18(bard) +6 Int +6 Background +3 human = 33) , and you can select 1 more level zero spell as part of your favoured class bonus if you desire(9 spells base + 2 per level from favoured class(Max 4 extra spells as one level appears to have been allocated to hp)).<br/><br/>@Ixy: Forgot to give himself some loose change though, so you might as well just call it 5000 even, and he can keep the 31.<br/><br/>@All: IC is up, if you missed it. Get posting!  (https://elliquiy.com/forums/index.php?topic=295821.0)