The adventuring party has been leveling up individually and raising the gold they need when necessary. But as more individuals join the party, it’s time to make sure to keep plenty of rations on hand, repair armor as needed, pay for lodging, and, of course, buy the required components for spells. Or more likely, the party needs to pay these newcomers on a retainer, so they can do all the character maintenance stuff themselves. This isn’t cheap and so requires money. ...
16. Capital
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