Just an observation - relying on banking XP is not ideal. Sure, we all do it, especially multi-TR's - but I have had a support DM say that banking XP is not really supported or designed properly. I had this comment from an +<anonymized-DM>+ when I had an issue that somehow I had over-banked XP, a dot and third into the next level (i.e. I was, say, lvl 12, and I had banked XP for lvl 14 plus one and a third dot...) *
Apparently the DM's have many, many support issues reported with XP banking...
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* Why did I ask support in this situation? Wasn't it a "neat" thing to have happen? Well, I'll admit to a dunce-moment when I thought my XP banking was broken and I wasn't able to bank to the end of the next level... not realizing that I had actually surpassed that level in XP! *DOH!*