Please, please read this. I truly meant this to be an overall fix for all playstyles. I know UO, I know how a no-insurance shard should work. I play this shard, and I know what logically needs to be done for all playstyles to work. This is actually a huge kick in the balls to faction artifacts if you pay attention.... Let me also mention that this plan will pump life into every expansion UO has to offer as well.... only makes sense... PLEASE DO NOT REPLY TO THIS THREAD, THIS IS JUST INFORMATION I FEEL PEOPLE NEED TO KNOW PRIOR TO VOTING.