Magical Creatures and Talents
If you conjure an elemental does it get a full set of talents and/or spells appropriate to its IQ or is it just a "smart animal" (or newborn)?
If zombies don't have IQ, do they suffer penalties for using weapons without talents? Do they have their master's talent? Does the latter mean a wizard who doesn't know (say) Sword and Shield but wants to arm them will have a lot of useless zombies who can't hit anything with melee weapons?
Should dragons and other intelligent nonhumanoids have talents and/or spells?
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