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The spells must be of a level for which you have spell slots. For example, if you’re a 3rd-level wizard, you have four 1st-level and two 2nd-level spell slots. With an Intelligence of 16, your list of prepared spells can include six spells of 1st or 2nd level, in any combination, chosen from your spellbook.Unsure of how to calculate your character’s starting wealth in 5E? Then this is the Starting Gold 5E Guide for you! These rules apply to every character, from forge clerics to barbarians. Below, we will walk you through your options for determining your starting wealth and equipment in the Fifth Edition of Dungeons and Dragons.
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Luminor was founded in August 2017 on the basis of the Baltic operations of Nordea and DNB. Luminor took over 930,000 of DNB's former customers and 350,000 of Nordea former customers. The merger was completed on 1 January 2019. Originally, Nordea owned 56.5% and DNB owned 43.5% of Luminor.
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