In the event of character death or retirement, the player shall be refunded an amount of experience determined by the formula: (Spent Earned XP * .75) + (Unspent Earned XP).
A player can avoid quartering by:
1. An ST granted ‘non-quarter’ for exemplary role play.
2. Leaving the game and returning after 1 full year.
3. Playing an story teller sanctioned NPC, or a Ghoul, for a total of 6 months.