You don't really have the time, no. You could spend your XP on stuff with no training time, or elae start training stuff over the few days I figure it'll take to get stuff done in Greenhaven and Nexus.<br/><br/>Don't forget everyone, we're using flat XP costs, the link to which is in the second post of the thread. I'd link it here again if I had time, but I just got lucky enough to find a spot of free wifi for a few minutes.<br/><br/>By the way, Zaer, I don't know if I ever put this in clear terms for everyone, but the way I thought to handle backgrounds is to let players earn them for free via roleplaying. Else I'd probably do something evil like give you Resources 5 and then make you pay XP for it. :P<br/><br/>So basically you can use your hearthstone to gain a one-dot familiar and then start building a conection with it to build it up ti a three-dot Familiar. If you don't feel like leaving the decision of when Crow becomes close enough to his familiar to make it a familiar 3 entirely up to my whims, we could come up with a system for it when I have more stable internet? Right now I'm thinking maybe something similar to intimacy building.<br/><br/>On the other hand, I'm probably nice enough that I won't make you guys pay for Flaws lost and Ill probably refund you if you lose Merits or backgrounds.