Banking

	Banking
	The Banking Skill reduces the daily cost for your deposit boxes by 1% per Level. Additionally, each Level will grant you another free deposit box. Once you reach Level 60, the deposit costs will be lowered from 3 gold to 2. At Level 80 the deposit costs will be lowered to 1 Gold. This ability is in the Book of Banking.

Calculation: K(n, S) = (n-S) · ½ · 0,99S K = deposit box costs n = number of deposit boxes S = Skill Level		Maximum Level: 80
Function: With each Level the deposit box costs that have to be paid every day will be lowered by 1% With each Level the player will get a free deposit box. At Level 60 the costs for depositing an item will be lowered to 2 instead of 3 Gold. At the maximum Level of 80 the costs for depositing an item will be lowered to 1 instead of 2 Gold.
Miscellaneous: Bank Text: Usually, the bank charges half a gold coin per day for each item you keep in your deposit boxes. However, you have the Banking Skill, and therefore you own XY deposit boxes which can be used free of charge, and your daily fee for the other deposit boxes is also reduced. The daily fee is automatically deducted from your account. It is currently XX gold per day.

	Decrease of deposit box costs to
Level	0	5	10	15	20	25	30	35	40	45	50	55	60	65	70	75	80
Percent	100	95	90	86	82	78	74	70	67	64	61	58	55	52	49	47	45

(figures given in days:hours:minutes)Learning time per Level, depending on the Learning Aptitude Level:

	Learning Aptitude
Level	0	5	10	15	20	25	30	35	40	45	50
1	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00	00:00:00
2	00:07:46	00:06:40	00:05:44	00:04:55	00:04:13	00:03:37	00:03:07	00:02:40	00:02:17	00:01:58	00:01:41
3	00:15:33	00:13:21	00:11:28	00:09:51	00:08:27	00:07:15	00:06:14	00:05:21	00:04:35	00:03:57	00:03:23
4	00:23:20	00:20:02	00:17:12	00:14:46	00:12:41	00:10:53	00:09:21	00:08:02	00:06:53	00:05:55	00:05:05
5	01:07:06	01:02:42	00:22:56	00:19:42	00:16:55	00:14:31	00:12:28	00:10:42	00:09:11	00:07:54	00:06:47
6	01:14:53	01:09:23	01:04:40	01:00:37	00:21:08	00:18:09	00:15:35	00:13:23	00:11:29	00:09:52	00:08:28
7	01:22:40	01:16:04	01:10:24	01:05:33	01:01:22	00:21:47	00:18:42	00:16:04	00:13:47	00:11:51	00:10:10
8	02:06:26	01:22:45	01:16:08	01:10:28	01:05:36	01:01:25	00:21:49	00:18:44	00:16:05	00:13:49	00:11:52
9	02:14:13	02:05:25	01:21:53	01:15:24	01:09:50	01:05:03	01:00:57	00:21:25	00:18:23	00:15:48	00:13:34
10	02:22:00	02:12:06	02:03:37	01:20:19	01:14:03	01:08:41	01:04:04	01:00:06	00:20:41	00:17:46	00:15:15
11	03:05:46	02:18:47	02:09:21	02:01:15	01:18:17	01:12:19	01:07:11	01:02:47	00:22:59	00:19:45	00:16:57
12	03:13:33	03:01:28	02:15:05	02:06:10	01:22:31	01:15:57	01:10:18	01:05:27	01:01:17	00:21:43	00:18:39
13	03:21:20	03:08:08	02:20:49	02:11:06	02:02:45	01:19:35	01:13:25	01:08:08	01:03:35	00:23:42	00:20:21
14	04:05:06	03:14:49	03:02:33	02:16:01	02:06:59	01:23:12	01:16:32	01:10:49	01:05:53	01:01:40	00:22:02
15	04:12:53	03:21:30	03:08:17	02:20:57	02:11:12	02:02:50	01:19:39	01:13:29	01:08:11	01:03:39	00:23:44
16	04:20:40	04:04:11	03:14:01	03:01:52	02:15:26	02:06:28	01:22:47	01:16:10	01:10:29	01:05:37	01:01:26
17	05:04:26	04:10:51	03:19:46	03:06:48	02:19:40	02:10:06	02:01:54	01:18:51	01:12:47	01:07:36	01:03:08
18	05:12:13	04:17:32	04:01:30	03:11:43	02:23:54	02:13:44	02:05:01	01:21:31	01:15:05	01:09:34	01:04:49
19	05:20:00	05:00:13	04:07:14	03:16:39	03:04:07	02:17:22	02:08:08	02:00:12	01:17:23	01:11:33	01:06:31
20	06:03:46	05:06:54	04:12:58	03:21:34	03:08:21	02:21:00	02:11:15	02:02:53	01:19:41	01:13:31	01:08:13
21	06:11:33	05:13:34	04:18:42	04:02:30	03:12:35	03:00:38	02:14:22	02:05:34	01:21:59	01:15:30	01:09:55
22	06:19:20	05:20:15	05:00:26	04:07:25	03:16:49	03:04:16	02:17:29	02:08:14	02:00:17	01:17:28	01:11:37
23	07:03:06	06:02:56	05:06:10	04:12:21	03:21:02	03:07:54	02:20:37	02:10:55	02:02:35	01:19:27	01:13:18
24	07:10:53	06:09:37	05:11:55	04:17:16	04:01:16	03:11:32	02:23:44	02:13:36	02:04:53	01:21:25	01:15:00
25	07:18:40	06:16:17	05:17:39	04:22:12	04:05:30	03:15:10	03:02:51	02:16:16	02:07:11	01:23:24	01:16:42
26	08:02:26	06:22:58	05:23:23	05:03:07	04:09:44	03:18:48	03:05:58	02:18:57	02:09:29	02:01:22	01:18:24
27	08:10:13	07:05:39	06:05:07	05:08:03	04:13:58	03:22:25	03:09:05	02:21:38	02:11:47	02:03:21	01:20:05
28	08:18:00	07:12:20	06:10:51	05:12:58	04:18:11	04:02:03	03:12:12	03:00:18	02:14:05	02:05:19	01:21:47
29	09:01:46	07:19:00	06:16:35	05:17:54	04:22:25	04:05:41	03:15:19	03:02:59	02:16:23	02:07:18	01:23:29
30	09:09:33	08:01:41	06:22:19	05:22:49	05:02:39	04:09:19	03:18:26	03:05:40	02:18:41	02:09:16	02:01:11
31	09:17:20	08:08:22	07:04:03	06:03:45	05:06:53	04:12:57	03:21:34	03:08:21	02:20:59	02:11:15	02:02:52
32	10:01:06	08:15:03	07:09:48	06:08:41	05:11:06	04:16:35	04:00:41	03:11:01	02:23:17	02:13:13	02:04:34
33	10:08:53	08:21:43	07:15:32	06:13:36	05:15:20	04:20:13	04:03:48	03:13:42	03:01:35	02:15:12	02:06:16
34	10:16:40	09:04:24	07:21:16	06:18:32	05:19:34	04:23:51	04:06:55	03:16:23	03:03:53	02:17:10	02:07:58
35	11:00:26	09:11:05	08:03:00	06:23:27	05:23:48	05:03:29	04:10:02	03:19:03	03:06:11	02:19:09	02:09:39
36	11:08:13	09:17:45	08:08:44	07:04:23	06:04:01	05:07:07	04:13:09	03:21:44	03:08:29	02:21:07	02:11:21
37	11:16:00	10:00:26	08:14:28	07:09:18	06:08:15	05:10:45	04:16:16	04:00:25	03:10:47	02:23:06	02:13:03
38	11:23:46	10:07:07	08:20:12	07:14:14	06:12:29	05:14:23	04:19:24	04:03:05	03:13:05	03:01:04	02:14:45
39	12:07:33	10:13:48	09:01:56	07:19:09	06:16:43	05:18:01	04:22:31	04:05:46	03:15:23	03:03:03	02:16:27
40	12:15:20	10:20:28	09:07:41	08:00:05	06:20:57	05:21:38	05:01:38	04:08:27	03:17:41	03:05:01	02:18:08
41	12:23:06	11:03:09	09:13:25	08:05:00	07:01:10	06:01:16	05:04:45	04:11:08	03:19:59	03:07:00	02:19:50
42	13:06:53	11:09:50	09:19:09	08:09:56	07:05:24	06:04:54	05:07:52	04:13:48	03:22:17	03:08:58	02:21:32
43	13:14:40	11:16:31	10:00:53	08:14:51	07:09:38	06:08:32	05:10:59	04:16:29	04:00:35	03:10:57	02:23:14
44	13:22:26	11:23:11	10:06:37	08:19:47	07:13:52	06:12:10	05:14:06	04:19:10	04:02:53	03:12:55	03:00:55
45	14:06:13	12:05:52	10:12:21	09:00:42	07:18:05	06:15:48	05:17:14	04:21:50	04:05:11	03:14:54	03:02:37
46	14:14:00	12:12:33	10:18:05	09:05:38	07:22:19	06:19:26	05:20:21	05:00:31	04:07:29	03:16:52	03:04:19
47	14:21:46	12:19:14	10:23:50	09:10:33	08:02:33	06:23:04	05:23:28	05:03:12	04:09:47	03:18:51	03:06:01
48	15:05:33	13:01:54	11:05:34	09:15:29	08:06:47	07:02:42	06:02:35	05:05:52	04:12:05	03:20:49	03:07:42
49	15:13:20	13:08:35	11:11:18	09:20:24	08:11:00	07:06:20	06:05:42	05:08:33	04:14:23	03:22:48	03:09:24
50	15:21:06	13:15:16	11:17:02	10:01:20	08:15:14	07:09:58	06:08:49	05:11:14	04:16:41	04:00:46	03:11:06
51	16:04:53	13:21:57	11:22:46	10:06:15	08:19:28	07:13:36	06:11:56	05:13:55	04:18:59	04:02:45	03:12:48
52	16:12:40	14:04:37	12:04:30	10:11:11	08:23:42	07:17:13	06:15:03	05:16:35	04:21:17	04:04:43	03:14:29
53	16:20:26	14:11:18	12:10:14	10:16:06	09:03:56	07:20:51	06:18:11	05:19:16	04:23:35	04:06:42	03:16:11
54	17:04:13	14:17:59	12:15:58	10:21:02	09:08:09	08:00:29	06:21:18	05:21:57	05:01:53	04:08:40	03:17:53
55	17:12:00	15:00:40	12:21:43	11:01:57	09:12:23	08:04:07	07:00:25	06:00:37	05:04:11	04:10:39	03:19:35
56	17:19:46	15:07:20	13:03:27	11:06:53	09:16:37	08:07:45	07:03:32	06:03:18	05:06:29	04:12:37	03:21:17
57	18:03:33	15:14:01	13:09:11	11:11:48	09:20:51	08:11:23	07:06:39	06:05:59	05:08:47	04:14:36	03:22:58
58	18:11:20	15:20:42	13:14:55	11:16:44	10:01:04	08:15:01	07:09:46	06:08:39	05:11:05	04:16:34	04:00:40
59	18:19:06	16:03:23	13:20:39	11:21:39	10:05:18	08:18:39	07:12:53	06:11:20	05:13:23	04:18:33	04:02:22
60	19:02:53	16:10:03	14:02:23	12:02:35	10:09:32	08:22:17	07:16:01	06:14:01	05:15:41	04:20:31	04:04:04
61	19:10:40	16:16:44	14:08:07	12:07:31	10:13:46	09:01:55	07:19:08	06:16:42	05:17:59	04:22:30	04:05:45
62	19:18:26	16:23:25	14:13:52	12:12:26	10:18:00	09:05:33	07:22:15	06:19:22	05:20:17	05:00:28	04:07:27
63	20:02:13	17:06:06	14:19:36	12:17:22	10:22:13	09:09:11	08:01:22	06:22:03	05:22:35	05:02:27	04:09:09
64	20:10:00	17:12:46	15:01:20	12:22:17	11:02:27	09:12:49	08:04:29	07:00:44	06:00:53	05:04:25	04:10:51
65	20:17:46	17:19:27	15:07:04	13:03:13	11:06:41	09:16:26	08:07:36	07:03:24	06:03:11	05:06:24	04:12:32
66	21:01:33	18:02:08	15:12:48	13:08:08	11:10:55	09:20:04	08:10:43	07:06:05	06:05:29	05:08:22	04:14:14
67	21:09:20	18:08:49	15:18:32	13:13:04	11:15:08	09:23:42	08:13:51	07:08:46	06:07:47	05:10:21	04:15:56
68	21:17:06	18:15:29	16:00:16	13:17:59	11:19:22	10:03:20	08:16:58	07:11:26	06:10:05	05:12:19	04:17:38
69	22:00:53	18:22:10	16:06:00	13:22:55	11:23:36	10:06:58	08:20:05	07:14:07	06:12:23	05:14:18	04:19:19
70	22:08:40	19:04:51	16:11:45	14:03:50	12:03:50	10:10:36	08:23:12	07:16:48	06:14:41	05:16:16	04:21:01
71	22:16:26	19:11:31	16:17:29	14:08:46	12:08:03	10:14:14	09:02:19	07:19:29	06:16:59	05:18:15	04:22:43
72	23:00:13	19:18:12	16:23:13	14:13:41	12:12:17	10:17:52	09:05:26	07:22:09	06:19:17	05:20:13	05:00:25
73	23:08:00	20:00:53	17:04:57	14:18:37	12:16:31	10:21:30	09:08:33	08:00:50	06:21:35	05:22:12	05:02:06
74	23:15:46	20:07:34	17:10:41	14:23:32	12:20:45	11:01:08	09:11:40	08:03:31	06:23:53	06:00:10	05:03:48
75	23:23:33	20:14:14	17:16:25	15:04:28	13:00:59	11:04:46	09:14:48	08:06:11	07:02:11	06:02:09	05:05:30
76	24:07:20	20:20:55	17:22:09	15:09:23	13:05:12	11:08:24	09:17:55	08:08:52	07:04:29	06:04:07	05:07:12
77	24:15:06	21:03:36	18:03:53	15:14:19	13:09:26	11:12:02	09:21:02	08:11:33	07:06:47	06:06:06	05:08:54
78	24:22:53	21:10:17	18:09:38	15:19:14	13:13:40	11:15:39	10:00:09	08:14:13	07:09:05	06:08:04	05:10:35
79	25:06:40	21:16:57	18:15:22	16:00:10	13:17:54	11:19:17	10:03:16	08:16:54	07:11:23	06:10:03	05:12:17
80	25:14:26	21:23:38	18:21:06	16:05:05	13:22:07	11:22:55	10:06:23	08:19:35	07:13:41	06:12:01	05:13:59

Total learning time for a specific Level, depending on the Learning Aptitude: (figures given in days:hours:minutes)

	Learning Aptitude
Level	0	5	10	15	20	25	30	35	40	45	50
5	03:05:46	02:18:47	02:09:21	02:01:15	01:18:17	01:12:19	01:07:11	01:02:47	00:22:59	00:19:45	00:16:57
10	14:14:00	12:12:33	10:18:05	09:05:38	07:22:19	06:19:26	05:20:21	05:00:31	04:07:29	03:16:52	03:04:19
15	34:00:40	29:05:17	25:02:13	21:13:09	18:12:05	15:21:21	13:15:29	11:17:13	10:01:29	08:15:22	07:10:05
20	61:13:46	52:21:01	45:09:44	38:23:48	33:11:36	28:18:05	24:16:35	21:04:53	18:04:59	15:15:15	13:10:15
25	97:05:20	83:11:42	71:16:39	61:13:35	52:20:51	45:09:36	38:23:40	33:11:30	28:17:59	24:16:31	21:04:49
30	140:23:20	121:01:23	103:22:57	89:06:29	76:15:50	65:19:55	56:12:44	48:13:04	41:16:29	35:19:09	30:17:47
35	192:19:46	165:14:01	142:04:38	122:02:32	104:20:33	90:01:03	77:07:46	66:09:36	57:00:29	48:23:10	42:01:09
40	252:18:40	217:01:39	186:09:42	160:01:43	137:11:01	118:00:58	101:08:46	87:01:06	74:17:59	64:04:33	55:02:55
45	320:20:00	275:12:15	236:14:09	203:04:02	174:11:12	149:19:42	128:15:45	110:11:33	94:20:59	81:11:19	69:23:06
50	396:23:46	340:21:49	292:18:00	251:09:28	215:21:09	185:09:13	159:04:42	136:16:58	117:09:28	100:19:28	86:13:40
55	481:06:00	413:06:22	354:21:14	304:18:03	261:16:49	224:17:33	192:23:37	165:17:20	142:07:28	122:04:59	104:22:39
60	573:14:40	492:13:54	422:23:52	363:05:45	311:22:14	267:20:41	230:00:31	197:12:40	169:14:58	145:15:52	125:02:02
65	674:01:46	578:20:24	497:01:53	426:20:35	366:13:23	314:18:36	270:07:24	232:02:57	199:07:58	171:04:09	146:23:48
70	782:15:20	672:01:53	577:03:16	495:14:34	425:14:16	365:11:20	313:20:14	269:12:11	231:10:27	198:17:48	170:15:59
75	899:07:20	772:06:20	663:04:04	569:11:40	489:00:53	419:22:52	360:15:04	309:16:24	265:22:27	228:08:49	196:02:34
80	1024:01:46	879:09:46	755:04:14	648:11:54	556:21:15	478:05:12	410:15:51	352:15:33	302:19:57	260:01:14	223:07:33