f1 cd You are safest from losing your money in the bank by having two accounts. Place all the money in one and then visit the second one before bedding down for the night. This will show the second empty account to anyone trying to use the Spy Network on your account because it only shows the last account you visited. If you have some money and want higher agility the go to the healer and say AGILUP. It costs 2 million bucks but it will help in developing a good quick character. If you want to gain Mental ability then go to then Healershop and say BRAINBOY. This will cost 3 million or so and it takes your mental rating up which helps your magic rating if you are a mentalist or globalist. Buying the Kadchip (ULTIMATECHIP) at the itemshop gives you the ability to use magic even if you are not a mentalist or globalist. g1