Heh, I can imagine my character sidling over to Lysander and Tormir, hunched over his staff, and then, with a mad smile on his face, saying, "Well, boy-oh, looks like you'll be needing the services of a healer shortly." *exaggerated WINK WINK and holding hand out for payment* "Currently, I've a 40% discount on pre-purchased services. And this way, you'll get healed even if you're too unconscious and bleeding to pay me. It's a win win for you. Heh."