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Allright thanks I think I get it. But what does it mean when it says my current Party Points ballance is 14,000 something?

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Thats your current party point balance (All accumulations - All reductions, for all time)... ie that's how many PP you have to spend, it has nothing to do with your level.

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Ok, thanks. One last question: once you reach the silver (or gold) level, do you stay there or do you have to maintain a certain amount of points periodically to stay at that level.

Thanks for the help.