Bard

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Bard Modifications
Every level gained in an arcane caster class increases the effective age of the character by 1 year. The quickened aging applies all normal penalties and benefits for reaching middle, old and venerable age.

A bard starts play able to ignore up -3 caster level penalty from wearing armour. At level 5 the bard can ignore up to a -4 penalty and at level 10 a -5 penalty.

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