Also remember some areas are tough, too tough for "fresh meat". If an area is getting to hard to survive in, back off, and try another direction and come back later. New characters just can't expect to be able to walk up to a level 20 monster, tear it's leg off, and beat it to death with the bloody stump, it ain't gonna happen (more like the other way around actually!).Be assured that almost any party combination can progress in the game and win, just take it slow and steady.
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Visit http://wiz8.web1000.com/ to download a spreadsheet that allows you to enter in your spellcasters current stats, and the spreadsheet will tell you what spells the character can learn, or for spells that they are not yet able to learn, it will tell you how many points you need, or why your character can't learn the spell.
v2.01 released Oct 14, 2003