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... course of a samurai's lifespan as a samurai, you'll see them shift a lot in their purchasing patterns, though some stick to a single pattern.

There are some who never have any points remaining, as they spend them as soon as they gain them. Others save them up, or try to reach a certain ceiling, then once they're reached it, then cease all expenditure until they're ready for the next leap upwards."

--On the Spending Habit of the Samurai, Sixth Edition, 2054

***

Th ...

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