Re: DxM play at any time cards
On page 17 of the rules, it says that DxM cards are, generally, play then discard, and then goes on to list the exceptions (Races, Classes, Half-Breed, Super Munchkin, Monster Enhancers, and cards like Mate). None of those cards seem to match the exceptions (I'm trying to track down my copy of the MQ database to confirm), so I'm going to say they are all play then discard.
A continuing curse is a curse that has an effect that isn't immediate (i.e., resolve the effect and discard the curse). Some hypothetical examples: An immediate effect would be something like, "Drop the Item that gives you biggest bonus," or, "Lose Two cards from your hand." A continuing effect would be something like, "You can't get help until you kill a Monster on your own."
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