Adapted from Grimpold's post and my earlier postings, distribute the extra
100k lvl costs to lvls 75-100, then you could have 2 guild char but after that
the 3rd guild would need some work.
As well as raise overtrain/study caps from 75% -> instead now until 90% is
dirty cheap and then the last 10% is also fucking expensive. Would create even
more diversity as not every n00b would be able to overtrain their shitty race
up to 90, which is BTW quite good percent for most skills/spells.