Healing = Harm?
Most clerics I run with these days have harm memorised without needing to be asked, and even better know how to use it on a PM only if their HP is around 25-33%.
Its getting to the point that if a cleric doesnt have harm memorised, or actually says 'I cant heal you because you are undead', then that is just a terrible cleric.
Now it would be brilliant if Turbine could add harm scrolls to the scroll vendors. I'd buy a bunch and keep them on my wizard and hand a few out to the healers. That way a FVS could also heal PMs without wasting a spell slot.