of War & Profit
Starting characters must spend all but 500 of their starting xp. The last 500xp may be banked or spent as desired.
Spending Banked XP As with the core rules a character will not be classified as a given rank till they have spent the equivalent amount of xp to progress to that rank. Banked xp does not count as spent.
A character may spend his experience in-game at any time. There are no rules for training or equivalent. This enables players to draw upon “past training” or “an experience from long ago” to demonstrate a skill or talent they have had little opportunity to utilize. Or even simpler, the character has been working on the advance and finally figures out how to put it to use.