Re: IQ gain and free talents?
I like the above approach and would add, only for my own game that is, that increasing TP do not automatically allow the selection of new talents. Just as when a character increases ST they do not automatically get handed a new weapon (they must seek out the weapon and either buy it or find it in a dungeon). I would require the character to seek out a trainer or spend some time on their own, and either pay a dollar cost associated with the training or provide some service to the one doing the training. This way there is an "in game" as well as a meta cost for each new talent.
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