Bankster

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"There's nothing an adventurer can't face with a bunch of derivatives, a diversified stock portfolio, and absolutely no morals whatsoever."

Bankster is a new tree added in the third expansion, Conquest of the Wizardlands, and starts the player with 3 Template:Item/Rearden Metal Ingots. (See: Starting Equipment)

[edit] Levels

Level	Icon	Name	Increased Stats	Granted Ability	Description
1		High Interest Loan		High Interest Loan	Take out a new line of credit from the First Internation Bank of Diggle today!
2		Dump Toxic Assets		Dump Toxic Assets	Some investments are simply no good - make them someone else's responsibility! This dumps any Bankster-related penalties onto your target and deals toxic damage based on your Caddishness.
3		Insurance Fraud		Insurance Fraud	Insurance, gambling...what's the difference? Take out a policy on yourself, or an enemy, and profit! The payout scales to your Savvy.
4		Hire Contractor		Hire Contractor	Hire one of Dredmor's minions as a 'contractor' for 50 turns. ('Bribery' is such an ugly word.)
5		Fiscal Hedge		Fiscal Hedge	Make an investment in your own safety; trade your hard 'earned' zorkmids for damage mitigation of up to half of all damage done to you.
6		Bailout		Bailout	You're too big to fail now! Get a bailout to remove all the consequences of your fiscal irresponsibility.

Name	Cost / Cooldown	Effect
High Interest Loan	32	Places 100 Floor 1.1 on the ground where the player is standing. Has a 33 % chance to proc Bad Credit and a 50 % chance for each type of Bankster Debuff on character to proc Payback.
Dump Toxic Assets	12	Deals ( 3 + 0.5 ) to target enemy and removes one random Bankster debuff from the character, placing it on the target. Also summons a one tile cross shaped poison cloud at the targeted tile which lasts for 12 turn, damaging for 1 1 per turn. Has a 10 % chance to proc Cooked Books, Frozen Account or Poor Investment when cast.
Insurance Fraud	25 Floor 2.5 - ( 0.25 )	Places the Insurance Fraud buff on the target. Each time the afflicted is hit, the character gains 1/10 of the damage as and has a 5 % chance to proc a random Bankster debuff. Has a 35 % chance to proc Cooked Books, Frozen Account or Poor Investment when cast.
Hire Contractor	100 Floor 2 - ( 0.25 )	Charms a single target for 50 turns. Has a 25 % chance to proc Cooked Books, Frozen Account or Poor Investment when cast.
Fiscal Hedge	50 Floor 1.75 - ( 0.25 )	Makes the character lose instead of until cancelled. Capped at 20 points of damage or 50 % of his/her max , whichever comes first. Subtracts 30 for each point absorbed. Has a 25 % chance to proc Cooked Books, Frozen Account or Poor Investment when cast.
Bailout	50	Removes 1 of each type of Bankster debuffs from the character.

Name	Duration	Stack	Cost per turn	Status	Effects
Bad credit	Indefinite	3	1 Floor
Poor Investment	32	3	10 Floor	-1 -1	With active Glyph of Imhotep 25 % to proc Pyramid Scheme when activated.
Frozen Account	32	3	4 Floor	-1 -1 -2	With active Glyph of Imhotep 25 % to proc Pyramid Scheme when activated.
Cooked Books	32	3	2 Floor	-1 -1 -2	With active Glyph of Imhotep 25 % to proc Pyramid Scheme when activated.
Payback	10	10	8 Floor
Pyramid Scheme	32	3			Adds 10 Floor each turn, not removed by Dump Toxic Assets or Bailout.